| Jun'19 | Jun'18 | Jun'17 | Jun'16 | Jun'15 | Jun'14 | Jun'13 | Jun'12 | Jun'11 | Jun'10 |
|---|---|---|---|---|---|---|---|---|---|
INTEREST AND DIVIDEND INCOME: | |||||||||
Loans, including fees | |||||||||
3,342 | 2,983 | 2,721 | 2,324 | 1,640 | 1,579 | 2,027 | 2,892 | 3,297 | 3,956 |
Commercial paper and investment securities | |||||||||
4,447 | 3,036 | 2,131 | 1,989 | 1,493 | 1,567 | 2,743 | 3,109 | 4,395 | 5,273 |
Investment securities - non-taxable | |||||||||
- | - | - | - | - | - | - | 88 | 211 | 351 |
Mortgage-backed securities | |||||||||
3,745 | 3,130 | 2,333 | 2,155 | 2,781 | 2,547 | 1,162 | 929 | 1,196 | 2,094 |
Certificates of deposit | |||||||||
22 | 72 | 124 | 7 | 6 | 10 | 7 | 30 | 123 | 406 |
Interest-earning demand deposits | |||||||||
12 | 10 | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 3 |
FHLB Stock | |||||||||
486 | 439 | 329 | 336 | 457 | 117 | 19 | 4 | 0 | 0 |
Trading securities | |||||||||
- | - | 5 | 0 | 0 | - | - | - | - | - |
Total interest and dividend income | |||||||||
12,054 | 9,670 | 7,646 | 6,812 | 6,378 | 5,821 | 5,959 | 7,053 | 9,225 | 12,083 |
INTEREST EXPENSE: | |||||||||
Deposits | |||||||||
856 | 406 | 245 | 210 | 217 | 330 | 378 | 543 | 918 | 1,251 |
Federal Home Loan Bank advances - long-term - variable rate | |||||||||
1,676 | 11 | 65 | 408 | 297 | 29 | 0 | - | - | - |
Federal Home Loan Bank advances - short-term | |||||||||
1,996 | 2,675 | 1,118 | 238 | 73 | 202 | 192 | 129 | 4 | 6 |
Federal Home Loan Bank advances - long-term - fixed rate | |||||||||
344 | 32 | 426 | 561 | 563 | 785 | 837 | 871 | 3,265 | 7,071 |
FRB short-term borrowings | |||||||||
- | - | - | - | - | - | - | - | - | 142 |
Other short-term borrowings | |||||||||
- | - | - | 14 | 5 | 11 | 0 | 1 | 33 | 11 |
Total interest expense | |||||||||
4,872 | 3,124 | 1,854 | 1,431 | 1,155 | 1,357 | 1,407 | 1,544 | 4,220 | 8,481 |
NET INTEREST INCOME | |||||||||
7,182 | 6,546 | 5,792 | 5,381 | 5,223 | 4,464 | 4,552 | 5,509 | 5,005 | 3,602 |
PROVISION FOR LOAN LOSSES | |||||||||
80 | 50 | 58 | 56 | 70 | -73 | -68 | -104 | -15 | -11 |
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES | |||||||||
7,102 | 6,496 | 5,734 | 5,325 | 5,153 | 4,537 | 4,620 | 5,613 | 5,020 | - |
NON-INTEREST INCOME: | |||||||||
Service charges on deposits | |||||||||
114 | 126 | 136 | 154 | - | - | - | - | - | - |
NET INTEREST INCOME AFTER RECOVERY OF LOAN LOSSES | |||||||||
- | - | - | - | - | - | - | - | - | 3,613 |
Service charges on deposits | |||||||||
- | - | - | - | 162 | 184 | 189 | 202 | 232 | 278 |
Earnings on Bank Owned Life Insurance | |||||||||
121 | 126 | 131 | 134 | 140 | 136 | 0 | 0 | - | - |
Other than temporary impairment gains | |||||||||
- | - | - | - | - | -43 | 4 | 303 | 0 | 3,712 |
Portion of loss recognized in other comprehensive income (before taxes) | |||||||||
- | - | - | - | - | -62 | -8 | 172 | 0 | - |
Portion of loss recognized in other comprehensive income (before taxes) | |||||||||
- | - | - | - | - | - | - | - | - | 3,518 |
Net impairment loss recognized in earnings | |||||||||
- | - | - | - | - | 19 | 12 | 131 | 0 | 194 |
Gains on trading securities | |||||||||
- | - | - | - | - | - | - | - | - | 16 |
Investment securities gains (losses) | |||||||||
-2 | 2 | - | 31 | 0 | 0 | 46 | 4 | 0 | 1 |
Market losses on trading securities | |||||||||
- | - | -31 | 0 | 0 | - | - | - | - | - |
Other than temporary impairment losses | |||||||||
120 | 86 | - | 0 | - | - | - | - | - | - |
Portion of loss recognized in other comprehensive income | |||||||||
-148 | -100 | - | 0 | - | - | - | - | - | - |
Net impairment loss recognized in earnings | |||||||||
-28 | -14 | - | 0 | - | - | - | - | - | - |
ATM fee income | |||||||||
166 | 180 | 191 | 198 | - | - | - | - | - | - |
ATM fee income | |||||||||
- | - | - | - | 57 | - | - | - | - | - |
Gain on sale of other real estate owned | |||||||||
- | - | - | - | - | 0 | 101 | 0 | 0 | - |
Other | |||||||||
44 | 50 | 63 | 55 | 199 | 230 | 249 | 274 | 282 | 269 |
Total non-interest income | |||||||||
415 | 470 | 490 | 572 | 558 | 531 | 573 | 349 | 514 | 370 |
NON-INTEREST EXPENSE: | |||||||||
Salaries and employee benefits | |||||||||
2,422 | 2,274 | 2,264 | 2,243 | 2,164 | 2,121 | 1,996 | 1,981 | 1,964 | 1,945 |
Occupancy and equipment | |||||||||
262 | 310 | 323 | 329 | 323 | 329 | 310 | 301 | 316 | 322 |
Data processing | |||||||||
230 | 220 | 222 | 220 | 239 | 241 | 245 | 243 | 246 | 243 |
Correspondent bank service charges | |||||||||
33 | 40 | 38 | 38 | 38 | 44 | 49 | 61 | 89 | 93 |
Federal deposit insurance premium | |||||||||
97 | 108 | 111 | 194 | 175 | 187 | 160 | 306 | 419 | 343 |
ATM network expense | |||||||||
106 | 106 | 127 | 124 | 136 | - | - | - | - | - |
Other | |||||||||
640 | 655 | 654 | 625 | 631 | 753 | 811 | 766 | 812 | 678 |
Total non-interest expense | |||||||||
3,790 | 3,713 | 3,739 | 3,773 | 3,706 | 3,675 | 3,571 | 3,658 | 3,846 | 3,624 |
INCOME BEFORE INCOME TAXES | |||||||||
3,727 | 3,253 | 2,485 | 2,124 | 2,005 | 1,393 | 1,622 | 2,304 | 1,688 | 359 |
INCOME TAX EXPENSE | |||||||||
932 | 1,128 | 848 | 799 | 658 | 473 | 542 | 902 | 462 | -13 |
NET INCOME | |||||||||
2,795 | 2,125 | 1,637 | 1,325 | 1,347 | 920 | 1,080 | 1,402 | 1,226 | 372 |
EARNINGS PER SHARE: | |||||||||
Basic | |||||||||
1.57 | 1.16 | 0.87 | 0.69 | 0.69 | 0.45 | 0.52 | 0.68 | 0.60 | 0.18 |
Diluted | |||||||||
1.57 | 1.16 | 0.87 | 0.69 | 0.69 | 0.45 | 0.52 | 0.68 | 0.60 | 0.18 |
AVERAGE SHARES OUTSTANDING: | |||||||||
Basic | |||||||||
1,780 | 1,826 | 1,873 | 1,910 | 1,941 | 2,057 | 2,057 | 2,057 | 2,057 | 2,066 |
Diluted | |||||||||
1,780 | 1,827 | 1,873 | 1,910 | 1,941 | 2,057 | 2,057 | 2,057 | 2,057 | 2,066 |