| Mar'20 | Dec'19 | Sep'19 | Jun'19 | Mar'19 | Dec'18 | Sep'18 | Jun'18 | Mar'18 | Sep'17 |
|---|---|---|---|---|---|---|---|---|---|
Interest and dividend income: | |||||||||
Loans, including fees | |||||||||
3,413 | 3,606 | 3,840 | 3,871 | 3,988 | 4,091 | 3,819 | 3,686 | 3,401 | 3,234 |
Securities, taxable | |||||||||
407 | 390 | 406 | 400 | 392 | 399 | 407 | 411 | 494 | 520 |
Other | |||||||||
41 | 53 | 133 | 91 | 65 | 14 | 10 | 10 | 11 | 17 |
Total interest and dividend income | |||||||||
3,861 | 4,049 | 4,379 | 4,362 | 4,445 | 4,504 | 4,236 | 4,107 | 3,906 | 3,771 |
Interest expense: | |||||||||
Interest-bearing deposits | |||||||||
850 | 978 | 1,210 | 1,274 | 1,180 | 1,037 | 983 | 876 | 795 | 749 |
Borrowed funds | |||||||||
110 | 55 | 51 | 62 | 123 | 148 | 117 | 133 | 144 | 101 |
Total interest expense | |||||||||
960 | 1,033 | 1,261 | 1,336 | 1,303 | 1,185 | 1,100 | 1,009 | 939 | 850 |
Net interest income | |||||||||
2,901 | 3,016 | 3,118 | 3,026 | 3,142 | 3,319 | 3,136 | 3,098 | 2,967 | 2,921 |
Provision for loan losses | |||||||||
0 | -1,032 | 0 | 0 | 0 | - | 0 | 0 | 0 | 0 |
Net interest income after provision for loan losses | |||||||||
2,901 | 4,048 | 3,118 | 3,026 | 3,142 | 3,319 | 3,136 | 3,098 | 2,967 | 2,921 |
Noninterest income: | |||||||||
Service charges and other fees | |||||||||
203 | 224 | 223 | 223 | 186 | 243 | 217 | 224 | 191 | 216 |
Loan servicing, net | |||||||||
-14 | 194 | 166 | 366 | 222 | 186 | 189 | 188 | 144 | 187 |
Net gain on sale of loans | |||||||||
654 | 292 | 513 | -214 | 124 | 133 | 137 | 217 | 220 | 221 |
Net gain on sale of securities | |||||||||
7 | - | - | - | 0 | 0 | 0 | 46 | 21 | - |
Increase in cash surrender value of insurance | |||||||||
99 | - | 99 | 101 | 100 | - | 106 | 100 | 99 | 101 |
Death benefit gain | |||||||||
- | - | - | 158 | - | - | 120 | - | - | - |
Other | |||||||||
-343 | -78 | 10 | 18 | 118 | 1 | 25 | 22 | 11 | 15 |
Total noninterest income | |||||||||
606 | 815 | 1,011 | 652 | 750 | 662 | 794 | 797 | 686 | 740 |
Noninterest expense: | |||||||||
Salaries and employee benefits | |||||||||
1,684 | 2,560 | 2,281 | 2,303 | 2,427 | 2,323 | 2,233 | 2,862 | 2,087 | 1,876 |
Foreclosed assets, net | |||||||||
-9 | - | -101 | 8 | 7 | - | 6 | 0 | 1 | -1 |
Advertising and promotions | |||||||||
32 | 64 | 35 | 44 | 56 | 32 | 36 | 41 | 12 | 33 |
Data processing | |||||||||
183 | 221 | 171 | 197 | 206 | 198 | 187 | 153 | 206 | 283 |
Occupancy and equipment | |||||||||
373 | 457 | 392 | 419 | 458 | 403 | 420 | 404 | 419 | 391 |
FDIC assessment | |||||||||
19 | - | - | 46 | 93 | - | - | 85 | 78 | 63 |
Other | |||||||||
791 | 879 | 780 | 763 | 1,325 | 739 | 795 | 1,010 | 707 | 745 |
Total noninterest expense | |||||||||
3,073 | 4,212 | 3,558 | 3,780 | 4,572 | 3,913 | 3,677 | 4,555 | 3,510 | 3,390 |
Income (loss) before income taxes | |||||||||
434 | 651 | 571 | -102 | -680 | 68 | 253 | -660 | 143 | 271 |
Income tax expense (benefit) | |||||||||
147 | 158 | 135 | -93 | -209 | 9 | 8 | -207 | 13 | 86 |
Net income (loss) | |||||||||
287 | 493 | 436 | -9 | -471 | 59 | 245 | -453 | 130 | 185 |
Earnings per common share: | |||||||||
Basic | |||||||||
0.06 | 0.11 | 0.09 | 0.00 | -0.10 | - | - | - | - | - |
Diluted | |||||||||
0.06 | 0.11 | 0.09 | 0.00 | -0.10 | - | - | - | - | - |
Average common shares outstanding: | |||||||||
Basic | |||||||||
4,704 | 14,101,065 | 4,704,660 | 4,701 | 4,701 | - | - | - | - | - |
Diluted | |||||||||
4,705 | 14,101,065 | 4,704,660 | 4,701 | 4,701 | - | - | - | - | - |