| 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 | |||||||||
14,730 | 15,305 | 15,790 | 15,769 | 15,584 | 14,997 | 0 | 0 | 0 | 0 |
Securities, taxable | |||||||||
1,603 | 1,588 | 1,597 | 1,598 | 1,609 | 1,711 | 0 | 0 | 0 | 0 |
Other | |||||||||
318 | 342 | 303 | 180 | 99 | 45 | 0 | 0 | 0 | 0 |
Total interest and dividend income | |||||||||
16,651 | 17,235 | 17,690 | 17,547 | 17,292 | 16,753 | 0 | 0 | 0 | 0 |
Interest expense: | |||||||||
Interest-bearing deposits | |||||||||
4,312 | 4,642 | 4,701 | 4,474 | 4,076 | 3,691 | 0 | 0 | 0 | 0 |
Borrowed funds | |||||||||
278 | 291 | 384 | 450 | 521 | 542 | 0 | 0 | 0 | 0 |
Total interest expense | |||||||||
4,590 | 4,933 | 5,085 | 4,924 | 4,597 | 4,233 | 0 | 0 | 0 | 0 |
Net interest income | |||||||||
12,061 | 12,302 | 12,605 | 12,623 | 12,695 | 12,520 | 0 | 0 | 0 | 0 |
Provision for loan losses | |||||||||
-1,032 | -1,032 | 0 | 0 | 0 | - | 0 | 0 | 0 | 0 |
Net interest income after provision for loan losses | |||||||||
13,093 | 13,334 | 12,605 | 12,623 | 12,695 | 12,520 | 0 | 0 | 0 | 0 |
Noninterest income: | |||||||||
Service charges and other fees | |||||||||
873 | 856 | 875 | 869 | 870 | 875 | 0 | 0 | 0 | 0 |
Loan servicing, net | |||||||||
712 | 948 | 940 | 963 | 785 | 707 | 0 | 0 | 0 | 0 |
Net gain on sale of loans | |||||||||
1,245 | 715 | 556 | 180 | 611 | 707 | 0 | 0 | 0 | 0 |
Net gain on sale of securities | |||||||||
0 | - | - | - | 46 | 67 | 0 | 0 | 0 | - |
Increase in cash surrender value of insurance | |||||||||
0 | - | 399 | 406 | 0 | - | 0 | 0 | 0 | 0 |
Death benefit gain | |||||||||
- | - | - | 0 | - | - | 0 | - | - | - |
Other | |||||||||
-393 | 68 | 147 | 162 | 166 | 59 | 0 | 0 | 0 | 0 |
Total noninterest income | |||||||||
3,084 | 3,228 | 3,075 | 2,858 | 3,003 | 2,939 | 0 | 0 | 0 | 0 |
Noninterest expense: | |||||||||
Salaries and employee benefits | |||||||||
8,828 | 9,571 | 9,334 | 9,286 | 9,845 | 9,505 | 0 | 0 | 0 | 0 |
Foreclosed assets, net | |||||||||
0 | - | 0 | 0 | 0 | - | 0 | 0 | 0 | 0 |
Advertising and promotions | |||||||||
175 | 199 | 167 | 168 | 165 | 121 | 0 | 0 | 0 | 0 |
Data processing | |||||||||
772 | 795 | 772 | 788 | 744 | 744 | 0 | 0 | 0 | 0 |
Occupancy and equipment | |||||||||
1,641 | 1,726 | 1,672 | 1,700 | 1,685 | 1,646 | 0 | 0 | 0 | 0 |
FDIC assessment | |||||||||
0 | - | - | 364 | 0 | - | - | 0 | 0 | 0 |
Other | |||||||||
3,213 | 3,747 | 3,607 | 3,622 | 3,869 | 3,251 | 0 | 0 | 0 | 0 |
Total noninterest expense | |||||||||
14,623 | 16,122 | 15,823 | 15,942 | 16,717 | 15,655 | 0 | 0 | 0 | 0 |
Income (loss) before income taxes | |||||||||
1,554 | 440 | -143 | -461 | -1,019 | -196 | 0 | 0 | 0 | 0 |
Income tax expense (benefit) | |||||||||
347 | -9 | -158 | -285 | -399 | -177 | 0 | 0 | 0 | 0 |
Net income (loss) | |||||||||
1,207 | 449 | 15 | -176 | -620 | -19 | 0 | 0 | 0 | 0 |
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 | - | - | - | - | - |