| Mar'19 | Mar'18 | Mar'17 | Mar'16 | Mar'15 | Mar'14 | Mar'13 | Mar'12 | Mar'11 | Mar'10 |
|---|---|---|---|---|---|---|---|---|---|
Interest income: | |||||||||
Loans | |||||||||
19,470 | 21,917 | 24,257 | 24,358 | 19,974 | 20,734 | 21,398 | 25,930 | 33,792 | 37,333 |
Mortgage-backed securities | |||||||||
1,265 | 970 | 806 | 761 | 799 | 1,034 | 971 | 1,302 | 1,993 | 2,633 |
Investment securities | |||||||||
1,252 | 680 | 764 | 1,295 | 1,339 | 1,321 | 1,211 | 489 | 357 | 357 |
Money market investments | |||||||||
1,243 | 792 | 299 | 150 | 215 | 159 | 205 | 215 | 103 | - |
Money market investments | |||||||||
- | - | - | - | - | - | - | - | - | 140 |
Total interest income | |||||||||
23,230 | 24,359 | 26,126 | 26,564 | 22,327 | 23,248 | 23,785 | 27,936 | 36,245 | 40,463 |
Interest expense: | |||||||||
Deposits | |||||||||
5,232 | 4,106 | 3,661 | 3,269 | 2,853 | 2,797 | 3,508 | 4,023 | 5,529 | 6,916 |
Advances and other borrowed money | |||||||||
909 | 1,174 | 1,257 | 1,336 | 1,089 | 1,154 | 1,370 | 4,030 | 3,926 | 4,092 |
Total interest expense | |||||||||
6,141 | 5,280 | 4,918 | 4,605 | 3,942 | 3,951 | 4,878 | 8,053 | 9,455 | 11,008 |
Net interest income | |||||||||
17,089 | 19,079 | 21,208 | 21,959 | 18,385 | 19,297 | 18,907 | 19,883 | 26,790 | - |
Net interest income | |||||||||
- | - | - | - | - | - | - | - | - | 29,455 |
Provision for (recovery of) loan losses | |||||||||
-270 | 135 | 29 | 1,495 | -2,842 | -426 | -3,327 | 16,342 | 27,114 | 7,845 |
Net interest income after provision for (recovery of) loan losses | |||||||||
17,359 | 18,944 | 21,179 | 20,464 | 21,227 | 19,723 | 22,234 | 3,541 | -324 | 21,610 |
Non-interest income: | |||||||||
Depository fees and charges | |||||||||
3,337 | 3,372 | 3,346 | - | - | - | - | - | - | - |
Loan fees and service charges | |||||||||
341 | 554 | 407 | - | - | - | - | - | - | - |
Loss on sale of securities, net | |||||||||
-16 | 0 | 58 | - | - | - | - | - | - | - |
Depository fees and charges | |||||||||
- | - | - | 3,112 | 3,595 | 3,452 | 3,480 | 2,990 | 2,936 | 2,963 |
Loan fees and service charges | |||||||||
- | - | - | 419 | 708 | 970 | 693 | 895 | 1,022 | 972 |
Gain on sale of securities | |||||||||
- | - | - | 1 | 8 | 552 | 174 | 0 | 764 | 446 |
Gain (loss) on sale of loans, net | |||||||||
29 | 0 | 4 | 499 | -2 | 1,319 | 2,250 | 257 | 8 | -212 |
Gain on sale of real estate owned, net of market value adjustment | |||||||||
- | - | 0 | 35 | 5 | -257 | -808 | -216 | -202 | -14 |
Gain (Loss) on Sale of Properties | |||||||||
616 | 9,615 | 69 | 1,221 | 0 | - | - | - | - | 1,187 |
New Markets Tax Credit (NMTC) fees | |||||||||
- | - | - | - | - | - | 625 | 625 | 1,940 | 984 |
Lower of cost or market adjustment on loans held-for-sale | |||||||||
- | - | -47 | 1 | -28 | -231 | -32 | -1,870 | -200 | -2,136 |
Other | |||||||||
- | - | - | - | 1,282 | 1,001 | 667 | 973 | 1,062 | 883 |
Other | |||||||||
551 | 818 | 781 | 726 | - | - | - | - | - | - |
Total non-interest income | |||||||||
4,858 | 14,359 | 4,618 | 6,014 | 5,568 | 6,806 | 7,049 | 3,654 | 7,330 | 5,073 |
Non-interest expense: | |||||||||
Employee compensation and benefits | |||||||||
12,248 | 12,615 | 12,462 | 11,358 | 11,588 | 11,802 | 11,126 | 12,087 | 11,704 | - |
Employee compensation and benefits | |||||||||
- | - | - | - | - | - | - | - | - | 12,217 |
Net occupancy expense | |||||||||
4,255 | 3,543 | 3,290 | 4,695 | 3,839 | 4,039 | 3,625 | 3,692 | 3,855 | 4,618 |
Equipment, net | |||||||||
1,215 | 862 | 798 | 635 | 900 | 983 | 1,184 | 1,341 | 1,659 | 2,143 |
Data processing | |||||||||
1,774 | 1,669 | 1,516 | 1,100 | 1,259 | 1,072 | 1,176 | 761 | 613 | - |
Consulting fees | |||||||||
416 | 801 | - | - | - | - | - | - | - | - |
Consulting fees | |||||||||
- | - | 817 | - | - | - | - | - | - | - |
Consulting fees | |||||||||
- | - | - | - | 1,003 | 506 | 357 | 475 | 1,312 | 803 |
Consulting fees | |||||||||
- | - | - | 1,058 | - | - | - | - | - | - |
Federal deposit insurance premiums | |||||||||
638 | 832 | 663 | 527 | 603 | 1,236 | 1,248 | 1,531 | 1,938 | 1,656 |
Other | |||||||||
- | - | - | - | 7,990 | 7,735 | 10,522 | 11,047 | 9,677 | 9,133 |
Other | |||||||||
7,474 | 7,660 | 8,985 | 8,744 | - | - | - | - | - | - |
Total non-interest expense | |||||||||
28,020 | 27,982 | 28,531 | 28,117 | 27,182 | 27,373 | 29,238 | 30,934 | 30,758 | 30,570 |
Loss before income taxes | |||||||||
- | - | - | - | -387 | -844 | 45 | -23,739 | -23,752 | -3,887 |
(Loss) income before income tax expense (benefit) | |||||||||
-5,803 | 5,321 | -2,734 | -1,639 | - | - | - | - | - | - |
Income tax expense | |||||||||
133 | -33 | 119 | 128 | 166 | 102 | 328 | -961 | 15,718 | -2,866 |
Net loss | |||||||||
-5,936 | 5,354 | -2,853 | -1,767 | - | - | - | - | - | - |
Consolidated net (loss) / income | |||||||||
- | - | - | - | -553 | -946 | -283 | -22,778 | -39,470 | -1,021 |
Net (loss) / income attributable to non-controlling interest | |||||||||
- | - | - | - | -281 | -110 | -945 | 629 | 57 | 0 |
Net income | |||||||||
- | - | - | - | -272 | -836 | 662 | -23,407 | -39,527 | - |
Net loss per common share: | |||||||||
Net (loss)/income attributable to Carver Bancorp, Inc. | |||||||||
- | - | - | - | - | - | - | - | - | -1,021 |
Noncontrolling Interest, Period Increase (Decrease) | |||||||||
- | - | - | - | - | - | - | - | 6,655 | - |
Change in unrealized gain/loss of securities available for sale | |||||||||
- | - | - | - | - | - | - | - | -466 | - |
Change in pension obligations | |||||||||
- | - | - | - | - | - | - | - | 51 | - |
Total other comprehensive income (loss), net of tax | |||||||||
- | - | - | - | - | - | - | - | -517 | - |
Total comprehensive loss, net of tax | |||||||||
- | - | - | - | - | - | - | - | -40,044 | - |
Loss per Share, Basic (in dollars per share) | |||||||||
-1.60 | 0.58 | -0.77 | -0.48 | -0.07 | -0.23 | 0.18 | -14.26 | -242.25 | -0.79 |
Loss per Share, Diluted (in dollars per share) | |||||||||
-1.60 | 0.58 | -0.77 | -0.48 | -0.07 | -0.23 | 0.18 | -14.26 | - | - |