| Mar'20 | Dec'19 | Sep'19 | Jun'19 | Mar'19 | Dec'18 | Sep'18 | Jun'18 | Mar'18 | Sep'17 | Jun'17 |
|---|---|---|---|---|---|---|---|---|---|---|
Interest and dividend income | ||||||||||
Interest and fees on loans | ||||||||||
7,531 | 7,292 | 7,170 | 7,026 | 6,848 | 6,766 | 0 | 0 | 0 | 0 | 0 |
Interest and dividends on investments | ||||||||||
1,611 | 1,746 | 1,800 | 1,559 | 1,253 | 935 | 0 | 0 | 0 | 0 | 0 |
Total interest income | ||||||||||
9,142 | 9,039 | 8,971 | 8,585 | 8,102 | 7,702 | 0 | 0 | 0 | 0 | 0 |
Interest expense | ||||||||||
Interest on deposits | ||||||||||
1,454 | 1,401 | 1,311 | 1,197 | 1,079 | 977 | 0 | 0 | 0 | 0 | 0 |
Interest on borrowings | ||||||||||
0 | - | - | - | - | - | - | - | - | 0 | 0 |
Total interest expense | ||||||||||
1,473 | 1,403 | 1,311 | 1,197 | 1,079 | 977 | 0 | 0 | 0 | 0 | 0 |
Net interest income | ||||||||||
7,669 | 7,635 | 7,660 | 7,388 | 7,022 | 6,724 | 0 | 0 | 0 | 0 | 0 |
Provision for loan losses | ||||||||||
260 | 175 | 440 | 575 | 590 | 575 | 0 | 0 | 0 | 0 | 0 |
Net interest income after provision for loan losses | ||||||||||
7,409 | 7,460 | 7,220 | 6,813 | 6,432 | 6,149 | 0 | 0 | 0 | 0 | 0 |
Non-interest income | ||||||||||
Service fees on deposit accounts | ||||||||||
136 | 128 | 124 | 124 | 127 | 133 | 0 | 0 | 0 | 0 | 0 |
Income from bank-owned life insurance | ||||||||||
114 | 114 | 114 | 124 | 124 | 127 | 0 | 0 | 0 | 0 | 0 |
Gain on sale of loans held for sale | ||||||||||
314 | 215 | 82 | 97 | 136 | 187 | 0 | 0 | 0 | 0 | 0 |
Gain on sale of investment securities | ||||||||||
0 | - | - | - | - | - | - | - | - | - | - |
Gain on sale of foreclosed real estate | ||||||||||
- | - | - | - | - | - | - | - | - | 0 | 0 |
Other non-interest income | ||||||||||
132 | 133 | 141 | 139 | 137 | 137 | 0 | 0 | 0 | 0 | 0 |
Total non-interest income | ||||||||||
744 | 591 | 459 | 481 | 522 | 581 | 0 | 0 | 0 | 0 | 0 |
Non-interest expense | ||||||||||
Salaries, director fees and employee benefits | ||||||||||
4,469 | 4,216 | 4,348 | 4,036 | 3,787 | 3,682 | 0 | 0 | 0 | 0 | 0 |
Premises and equipment | ||||||||||
415 | 429 | 438 | 449 | 457 | 443 | 0 | 0 | 0 | 0 | 0 |
Data processing | ||||||||||
559 | 557 | 552 | 546 | 541 | 538 | 0 | 0 | 0 | 0 | 0 |
Professional fees | ||||||||||
540 | 548 | 501 | 427 | 346 | 300 | 0 | 0 | 0 | 0 | 0 |
FDIC premiums and regulatory assessments | ||||||||||
81 | 95 | 97 | 110 | 115 | 115 | 0 | 0 | 0 | 0 | 0 |
Marketing | ||||||||||
102 | 108 | 117 | 115 | 104 | 117 | 0 | 0 | 0 | 0 | 0 |
Provision for losses and costs on foreclosed real estate | ||||||||||
- | - | 0 | 0 | - | - | 0 | 0 | - | - | - |
Other operating expenses | ||||||||||
786 | 784 | 731 | 704 | 659 | 622 | 0 | 0 | 0 | 0 | 0 |
Total non-interest expense | ||||||||||
6,991 | 6,776 | 6,825 | 6,429 | 6,027 | 5,834 | 0 | 0 | 0 | 0 | 0 |
Income before income taxes | ||||||||||
1,163 | 1,275 | 854 | 865 | 927 | 896 | 0 | 0 | 0 | 0 | 0 |
Income tax expense | ||||||||||
353 | 368 | 231 | 220 | 238 | 223 | 0 | 0 | 0 | - | 0 |
Net income | ||||||||||
809 | 907 | 622 | 644 | 689 | 673 | 0 | 0 | 0 | 0 | 0 |
Earnings per common share | ||||||||||
Basic | ||||||||||
0.05 | 0.04 | 0.08 | 0.04 | 0.07 | - | 0.08 | - | - | - | - |
Diluted | ||||||||||
0.05 | 0.04 | 0.08 | 0.04 | 0.07 | - | 0.08 | - | - | - | - |