| Jun'14 | Jun'13 | Jun'12 | Jun'11 | |||
|---|---|---|---|---|---|---|
Interest Income: | ||||||
Loans receivable, including fees | ||||||
10,033 | 10,435 | 11,783 | 13,306 | |||
Securities held to maturity | ||||||
1,870 | 1,504 | 1,929 | 1,714 | |||
Other | ||||||
89 | 93 | 89 | 107 | |||
Total Interest Income | ||||||
11,992 | 12,032 | 13,801 | 15,127 | |||
Interest Expense | ||||||
Deposits | ||||||
1,655 | 2,007 | 2,652 | 3,542 | |||
Borrowings | ||||||
767 | 714 | 684 | 684 | |||
Total Interest Expense | ||||||
2,422 | 2,721 | 3,336 | 4,226 | |||
Net Interest Income | ||||||
9,570 | 9,311 | 10,465 | 10,901 | |||
(Credit) provision for Loan Losses | ||||||
600 | 4,044 | 2,217 | 1,686 | |||
Net Interest Income after Provision for Loan Losses | ||||||
8,970 | 5,267 | 8,248 | 9,215 | |||
Non-Interest Income | ||||||
Fees and service charges | ||||||
407 | 329 | 341 | 469 | |||
Income from bank owned life insurance | ||||||
217 | 217 | 201 | 196 | |||
Unrealized gain on trading securities | ||||||
- | 1 | - | - | |||
Gain on trading securities | ||||||
- | - | -8 | 13 | |||
Other | ||||||
100 | 103 | 97 | 95 | |||
Total Non-Interest Income | ||||||
724 | 650 | 631 | 773 | |||
Non-Interest Expenses | ||||||
Salaries and employee benefits | ||||||
3,784 | 3,859 | 3,810 | 3,876 | |||
Directors compensation | ||||||
444 | 495 | 514 | 458 | |||
Occupancy and equipment | ||||||
1,343 | 1,403 | 1,433 | 1,658 | |||
Service bureau fees | ||||||
626 | 553 | 470 | 413 | |||
Advertising | ||||||
144 | 162 | 174 | 224 | |||
FDIC assessment | ||||||
410 | 291 | 295 | 438 | |||
Professional services | ||||||
547 | 543 | 514 | 432 | |||
Other | ||||||
860 | 983 | 889 | 1,268 | |||
Total Non-Interest Expenses | ||||||
8,158 | 8,289 | 8,099 | 8,767 | |||
Income before Income Taxes | ||||||
1,536 | -2,372 | 780 | 1,221 | |||
Income Tax Expense | ||||||
548 | -987 | 283 | 515 | |||
Net Income | ||||||
988 | -1,385 | 497 | 706 | |||
Weighted average number of shares of common stock Outstanding basic and diluted (in Shares) | ||||||
4,926 | 4,933 | 4,986 | 5,041 | |||
Earnings per share - basic and diluted (in Dollars per share) | ||||||
0.20 | -0.28 | 0.10 | 0.14 | |||
Other comprehensive loss, net of tax | ||||||
Other comprehensive (loss) income, net of tax | ||||||
Defined benefit pension plans: | ||||||
Reclassification adjustment for prior service cost included in net income, net of tax of $3 and $-, respectively | ||||||
2 | 7 | 7 | - | |||
Actuarial loss arising during the period, net of tax of ($3) and $-, respectively | ||||||
2 | 50 | -24 | - | |||
Reclassification adjustment for net actuarial loss (gain) included in net income, net of tax of ($4) and $1, respectively | ||||||
-6 | 11 | - | - | |||
Less: amortization of net unrecognized gain, net of tax of $6 and $5, for the years ended June 30, 2013 and June 30, 2012, respectively | ||||||
- | - | -8 | - | |||
Actuarial loss arising during period | ||||||
- | - | - | -83 | |||
Amortization of prior service cost included in net periodic pension cost, net of tax of $2 and $-; and $3 and $3 for the three and nine months, respectively | ||||||
- | - | - | -7 | |||
Less: amortization of unrecognized gain, net of tax of $3 and $2; and $7 and $4 for the three and nine months, respectively. | ||||||
- | - | - | 5 | |||
Total Other comprehensive income (loss) | ||||||
-2 | 68 | -9 | -81 | |||
Comprehensive income | ||||||
986 | -1,317 | 488 | 625 | |||