US-listed companies
SANDY SPRING BANCORP INC

SANDY SPRING BANCORP INCSASR

Market cap

$1.4B

P/E ratio

Income statement Balance sheet Cash flow

	Dec 31, 2011	Dec 31, 2013	Dec 31, 2014	Dec 31, 2015	Dec 31, 2016	Dec 31, 2017	Dec 31, 2018	Dec 31, 2019	Dec 31, 2020	Dec 31, 2021	Dec 31, 2022	Dec 31, 2023
Interest and fees on loans	-	-	-	-	-	-	-	317	393	423	462	580
Interest on loans held for sale	1	1	312,000	1	0	0	1	2	2	2	1	1
Interest on deposits with banks	0	0	85,000	0	0	0	1	2	0	1	3	22
Taxable	22	17	15,377,000	14	12	14	21	22	22	16	21	27
Tax-advantaged	9	9	9,222,000	8	8	8	8	6	6	9	10	7
Interest on federal funds sold	0	0	1,000	0	0	0	0	0	0	0	0	0
Total interest income	139	149	148,366,000	158	171	195	324	348	424	450	496	638
Interest on deposits	11	5	4,791,000	6	8	13	39	62	42	15	44	225
Interest on retail repurchase agreements and federal funds purchased	0	0	164,000	0	0	0	1	1	2	0	3	14
Interest on advances from FHLB	14	13	12,982,000	13	12	12	21	17	7	3	8	28
Interest on subordinated debt	1	1	881,000	1	1	0	2	3	10	8	14	16
Total interest expense	27	19	18,818,000	20	21	26	64	83	60	26	69	283
Net interest income	113	130	129,548,000	138	150	169	260	265	363	425	427	355
Provision/ (credit) for credit losses	-	-	-	-	-	-	-	-	-	-	34	-18
Net interest income after provision/ (credit) for credit losses	112	131	129,711,000	133	144	166	251	261	277	470	393	372
Investment securities gains/ (losses)	-	-	-	-	-	-	0	0	0	0	-0	-
Gain on disposal of assets	-	-	-	-	-	-	-	-	-	-	17	-
Bank Servicing	-	-	-	-	-	-	9	10	7	8	10	10
Mortgage Banking	-	-	-	-	-	-	7	15	40	25	6	6
Wealth management income	-	-	-	-	-	-	21	23	31	37	36	37
Bank card fees	-	-	-	-	-	-	6	6	6	7	4	2
Insurance agency commissions	5	5	4,996,000	5	5	6	6	7	7	7	3	-
Bank Owned Life Insurance Income	3	2	2,444,000	3	2	2	4	3	3	3	3	4
Other income	4	7	5,485,000	7	7	6	7	9	9	15	9	8
Total non-interest income	44	48	46,871,000	50	51	51	61	71	103	102	87	67
Labor and Related Expense	60	66	66,387,000	71	71	73	97	104	134	156	159	160
Occupancy, Net	12	13	13,692,000	13	13	13	18	19	21	22	19	19
Equipment Expense	5	5	5,188,000	6	7	7	9	11	12	13	15	16
Marketing	2	3	2,926,000	3	3	3	4	4	4	5	5	5
Outside data services	4	5	4,947,000	5	5	5	7	8	9	9	10	11
FDIC insurance	3	2	2,302,000	2	3	3	5	2	5	4	5	9
Amortization of intangible assets	2	2	821,000	0	0	0	2	2	6	7	6	5
Merger, acquisition and disposal expense	-	-	-	-	-	4	12	1	25	0	1	-
Professional Fees	-	-	-	-	-	-	-	7	8	10	9	18
Other expenses	18	16	18,018,000	19	21	20	26	20	31	34	29	31
Total non-interest expense	105	112	120,800,000	115	123	129	180	179	256	260	257	275
Income before income tax expense	50	67	55,782,000	67	72	88	133	153	124	312	222	164
Income tax expense	16	23	17,582,000	22	24	35	32	36	27	77	56	41
Net income	34	44	38,200,000	45	48	53	101	116	97	235	166	123
Earnings Per Share, Basic	1.42	1.78	1.53	1.84	2	2.2	2.82	3.25	2.19	5	3.69	2.74
Earnings Per Share, Diluted	1.41	1.77	1.52	1.84	2	2.2	2.82	3.25	2.18	4.98	3.68	2.73
Common Stock, Dividends, Per Share, Declared	0.34	0.64	0.76	0.9	0.98	1.04	1.1	1.18	1.2	1.28	1.36	1.36