Fsb bancorp, inc. (FSBC)
Balance Sheet / TTM
Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15
Assets
Cash and due from banks

1,689

1,485

1,776

1,501

1,581

1,648

1,672

1,484

1,672

1,409

1,761

1,547

1,634

1,285

1,506

1,623

1,550

Interest-earning demand deposits

6,244

3,731

5,309

4,766

4,710

4,317

6,051

6,220

8,725

5,542

6,468

5,635

5,773

3,545

23,647

6,489

4,597

Total Cash and Cash Equivalents

7,933

5,216

7,085

6,267

6,291

5,965

7,723

7,704

10,397

6,951

8,229

7,182

7,407

4,830

25,153

8,112

6,147

Securities available-for-sale, at fair value

18,126

18,000

-

-

18,331

-

-

-

-

-

-

-

-

-

-

-

-

Available-for-sale securities, at fair value

-

-

18,448

17,839

-

17,027

17,748

17,792

18,313

19,053

18,395

18,363

17,747

17,652

18,746

19,284

19,968

Securities held-to-maturity, at amortized cost (fair value of 2019 $5,297; 2018 $6,030)

5,166

6,011

6,026

6,041

6,052

6,335

6,347

6,404

6,575

6,919

6,598

7,329

7,420

6,369

7,806

9,556

12,979

Investment in restricted stock, at cost

2,757

2,961

3,077

3,347

3,637

3,725

3,492

3,274

3,270

3,498

2,909

3,369

2,886

2,480

2,320

2,415

2,388

Loans held for sale

2,194

3,690

1,175

339

2,133

4,662

7,300

2,244

2,770

4,180

2,412

3,934

2,059

5,602

6,477

3,907

3,880

Loans

-

278,447

280,472

281,887

-

280,551

271,987

267,877

-

254,291

243,172

236,829

-

214,477

210,638

206,563

-

Less: Allowance for loan losses

-

1,736

1,661

1,636

-

1,486

1,411

1,336

-

1,186

1,102

1,042

-

945

900

855

-

Loans, net of allowance for loan losses (2019 $1,641; 2018 $1,561)

274,508

276,711

-

-

281,741

-

-

-

262,711

-

-

-

-

-

-

-

-

Loans receivable, net

-

-

278,811

280,251

-

279,065

270,576

266,541

-

253,105

242,070

235,787

226,192

213,532

209,738

205,708

201,830

Bank owned life insurance

3,877

3,864

3,849

3,834

3,819

3,804

3,788

3,773

3,758

3,743

3,727

3,711

3,696

3,679

3,662

3,646

3,629

Accrued interest receivable

807

912

985

978

876

936

851

809

824

798

699

705

652

642

626

643

655

Premises and equipment, net

2,439

2,506

2,547

2,635

2,731

2,853

2,905

2,975

3,064

3,172

3,199

3,226

3,175

3,077

2,950

2,965

2,744

Operating lease right-of-use assets

2,123

2,199

2,275

2,350

-

-

-

-

-

-

-

-

-

-

-

-

-

Foreclosed real estate

730

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other assets

2,650

2,740

2,706

2,746

2,658

2,771

2,946

2,884

2,700

3,165

2,861

2,679

2,359

1,860

2,436

1,546

1,587

Total Assets

323,310

324,810

326,984

326,627

328,269

327,143

323,676

314,400

314,382

304,584

291,099

286,285

273,593

259,723

279,914

257,782

255,807

Liabilities and Stockholders' Equity
Liabilities
Deposits:
Non-interest-bearing

12,886

11,401

11,791

10,281

10,947

10,657

9,856

8,146

8,385

8,016

9,128

8,188

8,423

7,305

32,947

6,563

6,974

Interest-bearing

222,674

221,482

220,681

215,122

211,668

208,727

212,108

208,611

208,306

191,537

192,707

178,496

174,511

171,223

178,886

181,026

178,587

Total Deposits

235,560

232,883

232,472

225,403

222,615

219,384

221,964

216,757

216,691

199,553

201,835

186,684

182,934

178,528

211,833

187,589

185,561

Short-term borrowings

1,000

2,000

2,000

7,500

13,750

14,550

7,000

11,500

13,000

14,500

5,500

13,500

6,000

4,000

-

-

-

Long-term borrowings

50,735

54,262

56,842

57,892

58,076

59,246

61,618

53,035

51,447

55,023

49,648

52,261

50,813

43,780

44,241

46,697

46,092

Official bank checks

519

268

204

495

863

1,274

397

754

929

2,675

595

593

318

495

229

157

1,114

Operating lease liabilities

2,322

2,401

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other liabilities

1,630

1,079

3,665

3,654

1,452

1,371

1,404

1,217

1,259

1,520

1,366

1,354

1,753

1,465

1,400

1,316

1,280

Total Liabilities

291,766

292,893

295,183

294,944

296,756

295,825

292,383

283,263

283,326

273,271

258,944

254,392

241,818

228,268

257,703

235,759

234,047

Stockholders' Equity
Preferred stock - par value $0.01; 25,000,000 shares authorized, no shares issued and outstanding

-

-

-

-

-

0

0

0

-

0

0

0

0

0

0

0

0

Common stock, par value $0.01; 50,000,000 authorized shares; 1,940,661 shares issued and outstanding

19

19

19

19

19

19

19

19

19

18

19

19

19

19

179

179

179

Paid-in capital

16,081

15,998

15,914

15,829

15,746

15,702

15,615

15,531

15,441

15,314

16,360

16,356

16,352

16,349

7,243

7,240

7,239

Retained earnings

15,699

16,175

16,173

16,221

16,212

16,169

16,219

16,151

16,077

16,376

16,174

15,934

15,839

15,424

15,172

15,062

14,985

Accumulated other comprehensive loss

-9

-20

-41

-114

-183

-282

-262

-257

-165

-71

-66

-75

-85

22

30

-36

-212

Treasury stock at cost, 2016-0 shares, 2015-5,528 shares

-

-

-

-

-

-

-

-

-

-

-

-

-

-

46

46

46

Unearned ESOP shares, at cost

246

255

264

272

281

290

298

307

316

324

332

341

350

359

367

376

385

Total Stockholders' Equity

31,544

31,917

31,801

31,683

31,513

31,318

31,293

31,137

31,056

31,313

32,155

31,893

31,775

31,455

22,211

22,023

21,760

Total Liabilities and Stockholders' Equity

323,310

324,810

326,984

326,627

328,269

327,143

323,676

314,400

314,382

304,584

291,099

286,285

273,593

259,723

279,914

257,782

255,807