| Mar'18 | Mar'17 | Mar'16 | Mar'15 | Mar'14 | Mar'13 | Mar'12 |
|---|---|---|---|---|---|---|
Interest revenue | ||||||
Loans, including fees | ||||||
16,088 | 14,834 | 9,644 | 7,331 | 8,079 | 9,009 | 9,972 |
U.S. treasuries, government agencies and FHLB stock | ||||||
188 | 214 | 350 | 425 | 450 | - | - |
U.S. treasuries and government agencies | ||||||
- | - | - | - | - | 327 | 562 |
Municipal and corporate bonds | ||||||
420 | 338 | 124 | 139 | 42 | - | - |
Mortgage-backed securities | ||||||
1,246 | 1,183 | 1,102 | 1,459 | 1,613 | 1,451 | 1,846 |
Federal funds sold and other bank deposits | ||||||
134 | 190 | 96 | 25 | 48 | 97 | 81 |
Total interest revenue | ||||||
18,079 | 16,761 | 11,318 | 9,382 | 10,235 | 10,885 | 12,463 |
Interest expense | ||||||
Deposits | ||||||
2,836 | 2,599 | 1,742 | 1,657 | 1,915 | 2,802 | 3,862 |
Borrowed funds | ||||||
750 | 271 | 101 | 4 | - | - | - |
Total interest expense | ||||||
3,587 | 2,871 | 1,843 | 1,661 | 1,915 | - | - |
Net interest income | ||||||
14,492 | 13,890 | 9,475 | 7,720 | 8,319 | 8,083 | 8,600 |
Provision for loan losses | ||||||
1,575 | 3,395 | 440 | 170 | 1,873 | 1,729 | 2,718 |
Net interest income after provision for loan losses | ||||||
12,917 | 10,495 | 9,035 | 7,550 | 6,446 | 6,353 | 5,882 |
Noninterest revenue | ||||||
Service charges | ||||||
459 | 420 | - | - | - | - | - |
Loss on sale of investment securities | ||||||
-2 | 23 | - | - | - | - | - |
Service charges | ||||||
- | - | 383 | 400 | 365 | 232 | 191 |
Gain on sale of investment securities and certificates of deposit | ||||||
- | - | 271 | - | - | - | - |
(Loss) gain on sale of investment securities | ||||||
- | - | - | 271 | 171 | 230 | 385 |
Gain on sale of loans held for sale | ||||||
0 | 23 | 44 | 35 | 28 | 41 | 6 |
Gain on sale of property and equipment | ||||||
97 | -5 | 407 | 1 | 82 | 6 | - |
Earnings on bank-owned life insurance | ||||||
484 | 485 | 349 | 357 | 379 | 315 | 310 |
Earnings on death benefit from bank-owned life insurance | ||||||
834 | 0 | - | - | - | - | - |
Other | ||||||
122 | 107 | 97 | 41 | - | - | - |
Other fees and commissions | ||||||
- | - | - | - | 26 | 114 | 52 |
Total noninterest revenue | ||||||
1,996 | 1,054 | 1,554 | 1,107 | 1,055 | 940 | 946 |
Noninterest expenses | ||||||
Salaries | ||||||
5,733 | 5,283 | 4,073 | 3,886 | 3,438 | 2,853 | 2,548 |
Employee benefits | ||||||
1,535 | 1,472 | 1,145 | 1,172 | 1,196 | 1,084 | 992 |
Occupancy | ||||||
1,045 | 984 | 779 | 746 | 877 | 872 | 819 |
Advertising | ||||||
86 | 122 | 138 | 141 | 250 | 367 | 313 |
Furniture and equipment | ||||||
343 | 377 | 318 | 314 | 338 | 310 | 366 |
Data processing | ||||||
716 | 777 | 585 | 547 | 605 | 562 | 427 |
Legal services | ||||||
491 | 291 | 162 | 279 | 484 | 104 | - |
Other professional services | ||||||
851 | 1,046 | 383 | 374 | 511 | 212 | 219 |
Merger related expenses | ||||||
0 | 219 | 899 | 73 | - | - | - |
Branch consolidation expense | ||||||
0 | 494 | 0 | - | - | - | - |
Deposit insurance premiums | ||||||
324 | 318 | 227 | 231 | 251 | 287 | 255 |
Foreclosed real estate expense and losses | ||||||
44 | 7 | 17 | 222 | - | - | - |
Other operating | ||||||
1,737 | 1,841 | 1,529 | 1,320 | - | - | - |
Foreclosed real estate expense and losses (gains) | ||||||
- | - | - | - | 575 | 125 | 45 |
Other operating | ||||||
- | - | - | - | 1,159 | 992 | 826 |
Total noninterest expense | ||||||
12,910 | 13,236 | 10,260 | 9,309 | 9,688 | 7,772 | 6,815 |
Income before income taxes | ||||||
2,003 | -1,686 | 329 | -651 | -2,187 | -479 | 13 |
Income tax expense | ||||||
8,052 | -758 | 421 | -337 | -991 | -306 | -117 |
Net (loss) income | ||||||
-6,048 | -928 | -92 | -314 | -1,195 | -172 | 131 |
Net (loss) income per common share: | ||||||
Basic (in dollars per share) | ||||||
-1.90 | -0.29 | -0.03 | -0.10 | - | - | - |
Diluted (in dollars per share) | ||||||
-1.90 | -0.29 | -0.03 | -0.10 | - | - | - |
Earnings (loss) per common share - basic and diluted | ||||||
- | - | - | - | -0.35 | -0.05 | - |