| Dec'18 | Dec'17 | Dec'16 | Dec'15 | |||
|---|---|---|---|---|---|---|
Interest income: | ||||||
Loans receivable | ||||||
2,935 | 2,847 | 2,919 | 2,868 | |||
Investment securities - taxable | ||||||
795 | 598 | 400 | 404 | |||
Investment securities - tax exempt | ||||||
190 | 278 | 373 | 372 | |||
Other interest earning assets | ||||||
156 | 104 | 92 | 61 | |||
Total interest income | ||||||
4,078 | 3,828 | 3,785 | 3,707 | |||
Interest expense: | ||||||
Deposits | ||||||
712 | 594 | 572 | 561 | |||
FHLB advances | ||||||
324 | 59 | 66 | 51 | |||
Overnight borrowings | ||||||
6 | 0 | - | - | |||
Total interest expense | ||||||
1,044 | 653 | 638 | 613 | |||
Net interest income | ||||||
3,034 | 3,174 | 3,146 | 3,094 | |||
Provision for Loan and Lease Losses | ||||||
78 | 76 | 60 | 190 | |||
Net interest income after provision for losses on loans | ||||||
2,956 | 3,098 | 3,086 | 2,904 | |||
Noninterest income: | ||||||
Increase in cash value - bank-owned life insurance | ||||||
92 | 116 | 21 | 0 | |||
Fees and service charges | ||||||
438 | 431 | 395 | 316 | |||
Losses on sale of securities available-for-sale, net | ||||||
-14 | 0 | 144 | 207 | |||
Gain on sale of land | ||||||
435 | 0 | - | 137 | |||
Other income (expense) | ||||||
38 | 62 | 32 | 2 | |||
Total noninterest income | ||||||
991 | 611 | 593 | 664 | |||
Noninterest expense: | ||||||
Compensation, payroll taxes, and employee benefits | ||||||
1,559 | 1,485 | 1,404 | 1,246 | |||
Advertising | ||||||
66 | 91 | 89 | 87 | |||
Office property and equipment | ||||||
370 | 450 | 467 | 482 | |||
Federal insurance premiums | ||||||
25 | 33 | 59 | 67 | |||
Data processing services | ||||||
487 | 464 | 419 | 366 | |||
Charitable contributions | ||||||
3 | 5 | 12 | 260 | |||
Other real estate expenses, net | ||||||
68 | 20 | 22 | 4 | |||
Dues and subscriptions | ||||||
36 | 37 | 55 | 69 | |||
Accounting, regulatory and professional fees | ||||||
628 | 658 | 640 | 255 | |||
Debit card expenses | ||||||
2 | 6 | 22 | 54 | |||
Other expenses | ||||||
451 | 351 | 395 | 251 | |||
Total noninterest expense | ||||||
3,701 | 3,607 | 3,589 | 3,145 | |||
(Loss) earnings before taxes on income | ||||||
247 | 101 | 91 | 423 | |||
Tax (benefit) expense | ||||||
21 | 217 | -18 | 29 | |||
Net Income (Loss) Attributable to Parent | ||||||
226 | -116 | 109 | 393 | |||
Basic earnings (loss) per common share (in usd per share) | ||||||
0.09 | -0.05 | 0.05 | 0.16 | |||
Diluted earnings (loss) per common share (in usd per share) | ||||||
0.09 | -0.05 | 0.05 | 0.16 | |||