Fsb bancorp, inc. (FSBC)
Income statement / Quarterly
Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15
Interest and Dividend Income
Loans, including fees

2,996

3,079

3,082

3,091

3,091

3,023

2,887

2,826

2,728

2,621

2,454

2,354

2,258

2,221

2,161

2,084

2,084

2,084

1,988

1,969

Securities - taxable

117

118

121

127

119

105

97

94

85

80

70

69

51

52

68

98

104

111

130

128

Securities - tax exempt

23

27

26

26

27

26

26

26

26

27

28

29

28

25

23

23

23

25

22

23

Mortgage-backed securities

26

26

27

29

38

28

35

40

36

26

24

30

41

50

53

58

44

45

63

71

Other

22

34

23

27

17

14

11

10

10

11

20

4

2

10

7

4

2

1

2

1

Total Interest and Dividend Income

3,184

3,284

3,279

3,300

3,292

3,196

3,056

2,996

2,885

2,765

2,596

2,486

2,380

2,358

2,312

2,267

2,257

2,266

2,205

2,192

Interest Expense
Deposits

901

924

860

784

736

689

603

563

529

482

429

371

359

348

367

362

357

325

291

279

Short-term borrowings

8

8

38

79

88

43

37

47

38

23

24

17

8

1

0

0

1

4

1

1

Long-term borrowings

325

336

342

332

332

328

279

234

234

218

210

203

183

165

179

184

177

185

190

184

Total Interest Expense

1,234

1,268

1,240

1,195

1,156

1,060

919

844

801

723

663

591

550

514

546

546

535

514

482

464

Net Interest Income

1,950

2,016

2,039

2,105

2,136

2,136

2,137

2,152

2,084

2,042

1,933

1,895

1,830

1,844

1,766

1,721

1,722

1,752

1,723

1,728

Provision for Loan Losses

120

75

25

75

75

75

75

75

75

84

60

52

45

45

45

45

46

37

37

38

Net Interest Income after Provision for Loan Losses

1,830

1,941

2,014

2,030

2,061

2,061

2,062

2,077

2,009

1,958

1,873

1,843

1,785

1,799

1,721

1,676

1,676

1,715

1,686

1,690

Other Income
Service fees

-

-

-

-

-

-

-

-

-

-

-

40

41

45

38

33

42

40

36

41

Fee income

-

-

-

-

-

-

-

-

-

-

-

35

34

35

34

66

96

44

40

48

Realized gain on sale of securities

-

-

-

-

-

-

-

-

-

-

-

-

-

36

-

-

-

106

-

-

Increase in cash surrender value of bank owned life insurance

13

15

15

15

15

16

15

15

15

16

16

15

17

17

16

17

19

18

19

18

Realized gain on sale of loans

311

278

172

170

339

461

289

348

479

650

691

326

643

749

512

348

493

468

298

219

Mortgage fee income

169

173

132

138

155

218

196

174

232

244

197

172

228

240

176

170

173

201

157

101

Other

50

46

45

35

45

47

44

60

51

44

42

48

40

40

43

37

41

40

42

35

Total Other Income

585

554

404

394

618

816

615

668

857

1,031

1,052

636

1,003

1,162

819

671

864

917

592

462

Other Expense
Salaries and employee benefits

1,578

1,594

1,503

1,462

1,594

1,711

1,565

1,627

1,784

1,712

1,589

1,524

1,643

1,626

1,470

1,356

1,438

1,349

1,320

1,265

Occupancy

259

252

267

278

266

268

273

281

268

273

259

269

259

248

245

254

247

256

256

245

Data processing costs

131

124

108

104

103

119

103

101

98

80

89

81

37

52

47

50

46

40

38

35

Advertising

5

21

27

15

31

24

59

33

40

28

51

43

42

28

25

30

33

27

28

38

Equipment

146

132

137

128

130

129

140

143

145

135

140

143

160

153

146

152

150

155

154

137

Electronic banking

28

28

26

27

25

26

27

31

29

29

28

7

32

27

30

26

22

32

23

20

Directors' fees

73

42

46

57

54

46

47

58

66

65

58

72

61

65

57

66

48

40

47

48

Mortgage fees and taxes

68

75

55

45

78

229

63

52

66

78

72

48

-

123

122

91

133

99

124

68

FDIC premium (credit) expense

-

2

-

-

-

-31

-

-

-

-

-

-

-

-

-

-

-

-

-

-

FDIC premium expense

-

-

33

33

-

-

24

26

26

25

26

26

11

42

43

42

42

39

38

38

Audits and tax services

51

19

45

46

48

70

46

49

45

44

41

52

29

48

30

34

-

-

-

-

Professional services

151

45

43

56

50

64

49

51

-

-

-

-

-

-

-

-

54

30

18

3

Other

132

158

186

162

44

219

198

201

7

243

265

255

106

207

173

177

70

195

209

170

Total Other Expense

2,989

2,488

2,476

2,413

2,628

2,936

2,594

2,653

2,791

2,712

2,618

2,520

2,212

2,619

2,388

2,278

2,369

2,262

2,255

2,067

Income (Loss) before Income Taxes

-574

7

-58

11

51

-59

83

92

75

277

307

-41

576

342

152

69

171

370

23

85

Provision (Benefit) for Income Taxes

-98

5

-10

2

8

-9

15

18

262

98

83

-36

161

90

42

-8

37

109

-8

-2

Net Income (Loss)

-476

2

-48

9

43

-50

68

74

-187

179

224

-5

415

252

110

77

134

261

31

87

Basic and Diluted Earnings (Loss) Per Common Share (in dollars per share)

-0.25

0.00

-0.03

0.00

0.02

-0.03

0.04

0.04

-

0.09

0.12

0.00

-

-

-

-

-

-

-

-

Basic and diluted earnings per common share (in dollars per share)

-

-

-

-

-

-

-

-

-

-

-

-

0.22

0.13

0.06

0.04

0.06

0.14

0.02

0.05

Service fees
Other income including Service fees and Fee income

37

38

34

32

42

38

37

32

-

-

-

-

-

-

-

-

-

-

-

-

Insurance and securities commission income
Other income including Service fees and Fee income

5

4

6

4

22

36

34

39

-

-

-

-

-

-

-

-

-

-

-

-