| Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | ||
|---|---|---|---|---|---|---|
Interest and Dividend Income | ||||||
Loans, including fees | ||||||
12,248 | 11,827 | 10,157 | 8,724 | 8,125 | ||
Securities - taxable | ||||||
483 | 415 | 304 | 269 | 473 | ||
Securities - tax exempt | ||||||
102 | 105 | 110 | 99 | 93 | ||
Mortgage-backed securities | ||||||
108 | 141 | 116 | 202 | 223 | ||
Other | ||||||
106 | 52 | 45 | 23 | 6 | ||
Total Interest and Dividend Income | ||||||
13,047 | 12,540 | 10,732 | 9,317 | 8,920 | ||
Interest Expense | ||||||
Deposits | ||||||
3,469 | 2,591 | 1,811 | 1,436 | 1,252 | ||
Short-term borrowings | ||||||
133 | 215 | 102 | 9 | 7 | ||
Long-term borrowings | ||||||
1,335 | 1,173 | 865 | 711 | 736 | ||
Total Interest Expense | ||||||
4,937 | 3,979 | 2,778 | 2,156 | 1,995 | ||
Net Interest Income | ||||||
8,110 | 8,561 | 7,954 | 7,161 | 6,925 | ||
Provision for Loan Losses | ||||||
295 | 300 | 271 | 180 | 158 | ||
Net Interest Income after Provision for Loan Losses | ||||||
7,815 | 8,261 | 7,683 | 6,981 | 6,767 | ||
Other Income | ||||||
Service fees | ||||||
- | - | - | 157 | 159 | ||
Fee income | ||||||
- | - | - | 169 | 228 | ||
Realized gain on sale of securities | ||||||
- | - | - | 36 | 106 | ||
Increase in cash surrender value of bank owned life insurance | ||||||
58 | 61 | 62 | 67 | 74 | ||
Realized gain on sale of loans | ||||||
931 | 1,437 | 2,146 | 2,252 | 1,478 | ||
Mortgage fee income | ||||||
612 | 743 | 845 | 814 | 632 | ||
Other | ||||||
176 | 196 | 185 | 160 | 158 | ||
Total Other Income | ||||||
1,937 | 2,717 | 3,576 | 3,655 | 2,835 | ||
Other Expense | ||||||
Salaries and employee benefits | ||||||
6,137 | 6,497 | 6,609 | 6,095 | 5,372 | ||
Occupancy | ||||||
1,056 | 1,088 | 1,069 | 1,006 | 1,004 | ||
Data processing costs | ||||||
467 | 426 | 348 | 186 | 159 | ||
Advertising | ||||||
68 | 147 | 162 | 125 | 126 | ||
Equipment | ||||||
543 | 542 | 563 | 611 | 596 | ||
Electronic banking | ||||||
109 | 109 | 93 | 115 | 97 | ||
Directors' fees | ||||||
218 | 205 | 261 | 249 | 183 | ||
Mortgage fees and taxes | ||||||
243 | 422 | 264 | - | 424 | ||
FDIC premium expense | ||||||
69 | 120 | 103 | 138 | 157 | ||
Audits and tax services | ||||||
161 | 213 | 182 | 141 | 86 | ||
Professional services | ||||||
295 | 214 | 217 | 168 | 105 | ||
Legal expense | ||||||
362 | 166 | - | - | - | ||
Other | ||||||
638 | 662 | 770 | 663 | 644 | ||
Total Other Expense | ||||||
10,366 | 10,811 | 10,641 | 9,497 | 8,953 | ||
Income (Loss) before Income Taxes | ||||||
-614 | 167 | 618 | 1,139 | 649 | ||
Provision (Benefit) for Income Taxes | ||||||
-101 | 32 | 407 | 285 | 136 | ||
Net Income (Loss) | ||||||
-513 | 135 | 211 | 854 | 513 | ||
Basic and Diluted Earnings (Loss) Per Common Share (in dollars per share) | ||||||
-0.28 | 0.07 | - | - | - | ||
Basic and diluted earnings per common share (in dollars per share) | ||||||
- | - | 0.11 | 0.45 | 0.27 | ||
Service fees | ||||||
Other income including Service fees and Fee income | ||||||
141 | 149 | 164 | - | - | ||
Insurance and securities commission income | ||||||
Other income including Service fees and Fee income | ||||||
19 | 131 | 174 | - | - | ||