| Metric | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|
| Interest and dividend income: | ||||
| Loans, including fees | $12.0M-4.4% | $12.6M+1.5% | $12.4M+5.5% | $11.7M |
| Debt and equity securities: | ||||
| Taxable | $722K+39.1% | $519K+620.8% | $72K-38.5% | $117K |
| Tax-exempt | $414K+2.5% | $404K-50.1% | $809K+19.3% | $678K |
| Interest-earning deposits | $84K+265.2% | $23K+64.3% | $14K-86.3% | $102K |
| Other | $61K-24.7% | $81K-38.2% | $131K+1.6% | $129K |
| Total interest income | $13.3M-2.2% | $13.6M+1.4% | $13.4M+5.1% | $12.8M |
| Interest expense: | ||||
| Deposits | $1.5M+17.0% | $1.3M-44.2% | $2.3M-10.8% | $2.5M |
| Short-term borrowings | $216K | — | $3K-89.7% | $29K |
| Long-term borrowings | $244K-41.2% | $415K-29.8% | $591K+8.2% | $546K |
| Subordinated debt | $9K | — | $71K+20.3% | $59K |
| Total interest expense | $1.9M+14.8% | $1.7M-42.4% | $2.9M-7.6% | $3.2M |
| Net interest income | $11.4M-4.6% | $11.9M+13.6% | $10.5M+9.3% | $9.6M |
| Provision for loan losses | $631K+16.9% | $540K+12.5% | $480K+33.3% | $360K |
| Net interest income after provision for loan losses | $10.7M-5.6% | $11.4M+13.7% | $10.0M+8.3% | $9.2M |
| Noninterest income: | ||||
| Banking fees and service charges | $1.6M+0.6% | $1.6M+6.7% | $1.5M-9.9% | $1.6M |
| Mortgage banking income, net | $44K-22.8% | $57K+21.3% | $47K-44.0% | $84K |
| Insurance commissions | $451K-37.5% | $722K-4.4% | $755K-6.1% | $804K |
| (Loss) Earnings on bank-owned life insurance | -$28K-124.8% | $113K | — | — |
| Change in fair value on equity securities | -$45K-266.7% | $27K+123.9% | -$113K-141.9% | $270K |
| Net gain on sale of securities | $10K | — | $1.1M+315.1% | $265K |
| Other charges, commissions & fees | $107K-50.9% | $218K-53.5% | $469K+589.7% | $68K |
| Total noninterest income | $2.1M-22.3% | $2.7M-31.2% | $4.0M+11.6% | $3.5M |
| Noninterest expense: | ||||
| Compensation and benefits | $4.9M-7.7% | $5.3M-5.7% | $5.6M-8.4% | $6.1M |
| Occupancy and equipment | $2.0M-3.9% | $2.1M+0.5% | $2.1M-2.2% | $2.1M |
| Impairment of long-lived assets | $300K | — | — | — |
| Service charges | $2.1M+3.2% | $2.0M+4.0% | $2.0M-13.3% | $2.3M |
| Regulatory assessments | $208K-30.4% | $299K-4.5% | $313K+47.6% | $212K |
| Professional and other services | $743K+15.6% | $643K-0.5% | $646K+34.9% | $479K |
| Advertising | $428K-1.2% | $433K+3.6% | $418K+7.7% | $388K |
| Other expenses | $1.2M-10.3% | $1.3M+1.3% | $1.3M+2.7% | $1.3M |
| Total noninterest expenses | $11.6M-6.9% | $12.4M+0.7% | $12.3M-4.1% | $12.9M |
| Income before income tax expense | $1.3M-23.2% | $1.7M | — | — |
| Income tax expense | $216K-23.7% | $283K+372.1% | -$104K+32.9% | -$155K |
| Net income | $1.1M-23.1% | $1.4M-19.2% | $1.7M+1909.2% | $87K |
| Net income available to common shareholders | $1.1M-23.1% | $1.4M-19.2% | $1.7M+1909.2% | $87K |
| Basic earnings per common share | $0.47-21.7% | $0.60-15.5% | $0.71+1675.0% | $0.04 |
| Diluted earnings per common share | $0.47-21.7% | $0.60 | — | — |
Source: SEC EDGAR XBRL. % change vs prior period shown where available.
Source: SEC EDGAR 10-K and 10-Q filings. Last 4 years annual and quarterly free, full history (up to 20 years) on Pro.