| Dec'12 | Sep'12 | Jun'12 | Mar'12 | Dec'11 | Sep'11 | Jun'11 | Mar'11 | Dec'10 | Sep'10 |
|---|---|---|---|---|---|---|---|---|---|
Loans | |||||||||
14,035 | 14,711 | 15,159 | 15,609 | 16,174 | 16,529 | 16,958 | 0 | 0 | 0 |
Investments and mortgage-backed securities | |||||||||
3,092 | 3,013 | 3,027 | 2,975 | 2,996 | 2,974 | 2,888 | 0 | 0 | 0 |
Total interest income | |||||||||
17,127 | 17,724 | 18,186 | 18,584 | 19,170 | 19,503 | 19,846 | 0 | 0 | 0 |
Deposits | |||||||||
3,793 | 3,994 | 4,176 | 4,396 | 4,673 | 5,041 | 5,516 | 0 | 0 | 0 |
Borrowed funds | |||||||||
178 | 145 | 112 | 71 | 55 | 63 | 71 | 0 | 0 | 0 |
Total interest expense | |||||||||
3,971 | 4,139 | 4,288 | 4,467 | 4,728 | 5,104 | 5,587 | 0 | 0 | 0 |
Net interest income | |||||||||
13,156 | 13,585 | 13,898 | 14,117 | 14,442 | 14,399 | 14,259 | 0 | 0 | 0 |
Provision for loan losses | |||||||||
0 | 0 | - | - | 0 | 0 | - | - | - | - |
Provision for loan losses | |||||||||
- | - | - | 0 | - | - | 4,140 | 0 | 0 | 0 |
Net interest income after provision for loan losses | |||||||||
10,598 | 10,571 | 10,236 | 11,526 | 9,980 | 10,080 | 10,119 | 0 | 0 | 0 |
Service charges | |||||||||
2,413 | 2,405 | 2,423 | 2,456 | 2,445 | 2,430 | 2,392 | 0 | 0 | 0 |
Gain on sale of loans | |||||||||
824 | 670 | 505 | 381 | 290 | 375 | 519 | 0 | 0 | 0 |
Gain on sale of investments | |||||||||
1,164 | 1,228 | 1,464 | 1,109 | 1,103 | 776 | 584 | 0 | 0 | 0 |
Gain on sale of other real estate owned | |||||||||
36 | -2 | -9 | 15 | 17 | -12 | -10 | 0 | 0 | 0 |
Income from bank owned life insurance | |||||||||
407 | 389 | 321 | 284 | 266 | 272 | 274 | 0 | 0 | 0 |
Other | |||||||||
236 | 228 | 273 | 249 | 280 | 328 | 279 | 0 | 0 | 0 |
Total other income | |||||||||
5,080 | 4,918 | 4,977 | 4,494 | 4,401 | 4,169 | 4,038 | 0 | 0 | 0 |
Compensation and employee benefits | |||||||||
6,989 | 6,899 | 6,826 | 6,845 | 6,683 | 6,675 | 6,610 | 0 | 0 | 0 |
Premises and occupancy expense | |||||||||
1,390 | 1,328 | 1,317 | 1,298 | 1,318 | 1,344 | 1,325 | 0 | 0 | 0 |
Deposit insurance premium | |||||||||
348 | 321 | 281 | 408 | 581 | 684 | 775 | 0 | 0 | 0 |
Advertising expense | |||||||||
353 | 382 | 379 | 418 | 397 | 400 | 408 | 0 | 0 | 0 |
Data processing expense | |||||||||
1,459 | 1,424 | 1,356 | 1,265 | 1,214 | 1,184 | 1,161 | 0 | 0 | 0 |
Provision for loss on real estate owned | |||||||||
0 | - | - | - | 0 | - | - | - | - | - |
Acquisition expense | |||||||||
- | - | - | 0 | - | - | 38 | 0 | 0 | 0 |
Intangible amortization | |||||||||
0 | 0 | - | - | 0 | 0 | - | - | - | - |
Professional fees | |||||||||
0 | 0 | - | - | 0 | 0 | - | - | - | - |
Other operating expenses | |||||||||
1,359 | 1,273 | 1,305 | 776 | 710 | 966 | 1,275 | 0 | 0 | 0 |
Total other expense | |||||||||
12,933 | 12,704 | 12,436 | 12,428 | 12,321 | 12,384 | 12,486 | 0 | 0 | 0 |
Income before income taxes | |||||||||
2,745 | 2,785 | 2,777 | 3,592 | 2,060 | 1,865 | 1,671 | 0 | 0 | 0 |
Income tax provision | |||||||||
754 | 778 | 788 | 1,105 | 673 | 490 | 501 | 0 | 0 | 0 |
Net income | |||||||||
1,991 | 2,007 | 1,989 | 2,487 | 1,387 | 1,375 | 1,170 | 0 | 0 | 0 |
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 |