| Dec'12 | Sep'12 | Jun'12 | Mar'12 | Dec'11 | Sep'11 | Jun'11 | Mar'11 | Dec'10 | Sep'10 |
|---|---|---|---|---|---|---|---|---|---|
Loans | |||||||||
3,323 | 3,450 | 3,687 | 3,575 | 3,999 | 3,898 | 4,137 | 4,140 | 4,354 | 4,327 |
Investments and mortgage-backed securities | |||||||||
780 | 775 | 822 | 715 | 701 | 789 | 770 | 736 | 679 | 703 |
Total interest income | |||||||||
4,103 | 4,225 | 4,509 | 4,290 | 4,700 | 4,687 | 4,907 | 4,876 | 5,033 | 5,030 |
Deposits | |||||||||
844 | 956 | 997 | 996 | 1,045 | 1,138 | 1,217 | 1,273 | 1,413 | 1,613 |
Borrowed funds | |||||||||
45 | 47 | 57 | 29 | 12 | 14 | 16 | 13 | 20 | 22 |
Total interest expense | |||||||||
889 | 1,003 | 1,054 | 1,025 | 1,057 | 1,152 | 1,233 | 1,286 | 1,433 | 1,635 |
Net interest income | |||||||||
3,214 | 3,222 | 3,455 | 3,265 | 3,643 | 3,535 | 3,674 | 3,590 | 3,600 | 3,395 |
Provision for loan losses | |||||||||
225 | 250 | - | - | 681 | 898 | - | - | - | - |
Provision for loan losses | |||||||||
- | - | - | 333 | - | - | 679 | 2,204 | 538 | 719 |
Net interest income after provision for loan losses | |||||||||
2,989 | 2,972 | 1,705 | 2,932 | 2,962 | 2,637 | 2,995 | 1,386 | 3,062 | 2,676 |
Service charges | |||||||||
629 | 621 | 594 | 569 | 621 | 639 | 627 | 558 | 606 | 601 |
Gain on sale of loans | |||||||||
284 | 248 | 183 | 109 | 130 | 83 | 59 | 18 | 215 | 227 |
Gain on sale of investments | |||||||||
263 | 0 | 807 | 94 | 327 | 236 | 452 | 88 | 0 | 44 |
Gain on sale of other real estate owned | |||||||||
40 | 7 | -9 | -2 | 2 | 0 | 15 | 0 | -27 | 2 |
Income from bank owned life insurance | |||||||||
82 | 135 | 104 | 86 | 64 | 67 | 67 | 68 | 70 | 69 |
Other | |||||||||
69 | 56 | 79 | 32 | 61 | 101 | 55 | 63 | 109 | 52 |
Total other income | |||||||||
1,367 | 1,067 | 1,758 | 888 | 1,205 | 1,126 | 1,275 | 795 | 973 | 995 |
Compensation and employee benefits | |||||||||
1,785 | 1,809 | 1,640 | 1,755 | 1,695 | 1,736 | 1,659 | 1,593 | 1,687 | 1,671 |
Premises and occupancy expense | |||||||||
372 | 339 | 353 | 326 | 310 | 328 | 334 | 346 | 336 | 309 |
Deposit insurance premium | |||||||||
104 | 177 | 41 | 26 | 77 | 137 | 168 | 199 | 180 | 228 |
Advertising expense | |||||||||
85 | 96 | 95 | 77 | 114 | 93 | 134 | 56 | 117 | 101 |
Data processing expense | |||||||||
346 | 373 | 413 | 327 | 311 | 305 | 322 | 276 | 281 | 282 |
Provision for loss on real estate owned | |||||||||
-105 | - | - | - | 0 | - | - | - | - | - |
Acquisition expense | |||||||||
- | - | - | 0 | - | - | 0 | 0 | 0 | 38 |
Intangible amortization | |||||||||
40 | 40 | - | - | 40 | 39 | - | - | - | - |
Professional fees | |||||||||
100 | 302 | - | - | 247 | 198 | - | - | - | - |
Other operating expenses | |||||||||
433 | 281 | 100 | 545 | 347 | 313 | -429 | 479 | 603 | 622 |
Total other expense | |||||||||
3,370 | 3,417 | 3,090 | 3,056 | 3,141 | 3,149 | 3,082 | 2,949 | 3,204 | 3,251 |
Income before income taxes | |||||||||
986 | 622 | 373 | 764 | 1,026 | 614 | 1,188 | -768 | 831 | 420 |
Income tax provision | |||||||||
290 | 128 | 29 | 307 | 314 | 138 | 346 | -125 | 131 | 149 |
Net income | |||||||||
696 | 494 | 344 | 457 | 712 | 476 | 842 | -643 | 700 | 271 |
Basic and diluted earnings per share (in dollars per share) | |||||||||
0.09 | 0.06 | 0.05 | 0.06 | 0.09 | 0.06 | 0.10 | -0.08 | 0.09 | 0.04 |