FSB BANCORP, INC. FSBC Income Statement

Fsb bancorp, inc. (FSBC)

Income statement / TTM

Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15
Interest and Dividend Income
Loans, including fees
12,248	12,343	12,287	12,092	11,827	11,464	11,062	10,629	10,157	9,687	9,287	8,994	8,724	8,550	8,413	8,240	8,125	0	0	0
Securities - taxable
483	485	472	448	415	381	356	329	304	270	242	240	269	322	381	443	473	0	0	0
Securities - tax exempt
102	106	105	105	105	104	105	107	110	112	110	105	99	94	94	93	93	0	0	0
Mortgage-backed securities
108	120	122	130	141	139	137	126	116	121	145	174	202	205	200	210	223	0	0	0
Other
106	101	81	69	52	45	42	51	45	37	36	23	23	23	14	9	6	0	0	0
Total Interest and Dividend Income
13,047	13,155	13,067	12,844	12,540	12,133	11,702	11,242	10,732	10,227	9,820	9,536	9,317	9,194	9,102	8,995	8,920	0	0	0
Interest Expense
Deposits
3,469	3,304	3,069	2,812	2,591	2,384	2,177	2,003	1,811	1,641	1,507	1,445	1,436	1,434	1,411	1,335	1,252	0	0	0
Short-term borrowings
133	213	248	247	215	165	145	132	102	72	50	26	9	2	5	6	7	0	0	0
Long-term borrowings
1,335	1,342	1,334	1,271	1,173	1,075	965	896	865	814	761	730	711	705	725	736	736	0	0	0
Total Interest Expense
4,937	4,859	4,651	4,330	3,979	3,624	3,287	3,031	2,778	2,527	2,318	2,201	2,156	2,141	2,141	2,077	1,995	0	0	0
Net Interest Income
8,110	8,296	8,416	8,514	8,561	8,509	8,415	8,211	7,954	7,700	7,502	7,335	7,161	7,053	6,961	6,918	6,925	0	0	0
Provision for Loan Losses
295	250	250	300	300	300	309	294	271	241	202	187	180	181	173	165	158	0	0	0
Net Interest Income after Provision for Loan Losses
7,815	8,046	8,166	8,214	8,261	8,209	8,106	7,917	7,683	7,459	7,300	7,148	6,981	6,872	6,788	6,753	6,767	0	0	0
Other Income
Service fees
-	-	-	-	-	-	-	-	-	-	-	164	157	158	153	151	159	0	0	0
Fee income
-	-	-	-	-	-	-	-	-	-	-	138	169	231	240	246	228	0	0	0
Realized gain on sale of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	0	-	-
Increase in cash surrender value of bank owned life insurance
58	60	61	61	61	61	61	62	62	64	65	65	67	69	70	73	74	0	0	0
Realized gain on sale of loans
931	959	1,142	1,259	1,437	1,577	1,766	2,168	2,146	2,310	2,409	2,230	2,252	2,102	1,821	1,607	1,478	0	0	0
Mortgage fee income
612	598	643	707	743	820	846	847	845	841	837	816	814	759	720	701	632	0	0	0
Other
176	171	172	171	196	202	199	197	185	174	170	171	160	161	161	160	158	0	0	0
Total Other Income
1,937	1,970	2,232	2,443	2,717	2,956	3,171	3,608	3,576	3,722	3,853	3,620	3,655	3,516	3,271	3,044	2,835	0	0	0
Other Expense
Salaries and employee benefits
6,137	6,153	6,270	6,332	6,497	6,687	6,688	6,712	6,609	6,468	6,382	6,263	6,095	5,890	5,613	5,463	5,372	0	0	0
Occupancy
1,056	1,063	1,079	1,085	1,088	1,090	1,095	1,081	1,069	1,060	1,035	1,021	1,006	994	1,002	1,013	1,004	0	0	0
Data processing costs
467	439	434	429	426	421	382	368	348	287	259	217	186	195	183	174	159	0	0	0
Advertising
68	94	97	129	147	156	160	152	162	164	164	138	125	116	115	118	126	0	0	0
Equipment
543	527	524	527	542	557	563	563	563	578	596	602	611	601	603	611	596	0	0	0
Electronic banking
109	106	104	105	109	113	116	117	93	96	94	96	115	105	110	103	97	0	0	0
Directors' fees
218	199	203	204	205	217	236	247	261	256	256	255	249	236	211	201	183	0	0	0
Mortgage fees and taxes
243	253	407	415	422	410	259	268	264	0	0	0	-	469	445	447	424	0	0	0
FDIC premium (credit) expense
-	0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FDIC premium expense
-	-	136	127	-	-	101	103	103	88	105	122	138	169	166	161	157	0	0	0
Audits and tax services
161	158	209	210	213	210	184	179	182	166	170	159	141	0	0	0	-	-	-	-
Professional services
295	194	213	219	214	0	0	0	-	-	-	-	-	-	-	-	105	0	0	0
Other
638	550	611	623	662	625	649	716	770	869	833	741	663	627	615	651	644	0	0	0
Total Other Expense
10,366	10,005	10,453	10,571	10,811	10,974	10,750	10,774	10,641	10,062	9,969	9,739	9,497	9,654	9,297	9,164	8,953	0	0	0
Income (Loss) before Income Taxes
-614	11	-55	86	167	191	527	751	618	1,119	1,184	1,029	1,139	734	762	633	649	0	0	0
Provision (Benefit) for Income Taxes
-101	5	-9	16	32	286	393	461	407	306	298	257	285	161	180	130	136	0	0	0
Net Income (Loss)
-513	6	-46	70	135	-95	134	290	211	813	886	772	854	573	582	503	513	0	0	0
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
141	146	146	149	149	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Insurance and securities commission income
Other income including Service fees and Fee income
19	36	68	96	131	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-