| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 | FY2011 | FY2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest on loans, including fees | $39.0M-2.5% | $40.1M-8.6% | $43.8M+37.9% | $31.8M | ||||||||||||
| Interest and dividends on investment securities, interest-bearing deposits with others, and Federal Home Loan Bank stock | $1.6M-52.9% | $3.4M+204.7% | $1.1M+61.9% | $685K | ||||||||||||
| Total Interest and Dividend Income | $40.6M-6.5% | $43.4M-3.3% | $44.9M+38.4% | $32.5M | ||||||||||||
| Interest on deposits | $19.0M-18.0% | $23.1M+23.0% | $18.8M+211.3% | $6.0M | ||||||||||||
| Interest on Federal Home Loan Bank borrowings | $1.9M+240.9% | $545K | — | — | ||||||||||||
| Interest on Federal Reserve Bank borrowings | $1K | $0-100.0% | $34K+126.7% | $15K | ||||||||||||
| Interest on senior debt | $947K | $0 | — | — | ||||||||||||
| Interest on subordinated debt | $954K-50.7% | $1.9M+33.5% | $1.4M+178.7% | $520K | ||||||||||||
| Total Interest Expense | $22.7M-11.3% | $25.6M+0.4% | $25.5M+190.8% | $8.8M | ||||||||||||
| Net Interest Income | $17.9M+0.5% | $17.8M-8.1% | $19.4M-18.1% | $23.7M | ||||||||||||
| Provision for Credit Losses | $1.2M-20.5% | $1.5M+3446.7% | -$45K-101.8% | $2.5M | ||||||||||||
| Provision for Off-Balance Sheet Credit Exposures | $20K-28.6% | $28K-86.1% | $202K | $0 | ||||||||||||
| Total Provision for Credit Losses | $1.2M-20.7% | $1.5M+877.1% | $157K | — | ||||||||||||
| Net Interest Income after Provision for Credit Losses | $16.7M+2.5% | $16.3M-15.4% | $19.2M-9.3% | $21.2M | ||||||||||||
| Insurance commissions | $820K+10.2% | $744K+12.2% | $663K+11.8% | $593K | ||||||||||||
| Income from bank-owned life insurance | $128K+8.5% | $118K+15.7% | $102K+14.6% | $89K | ||||||||||||
| Net gain on loans held for sale | $3.7M+1.2% | $3.7M+41.2% | $2.6M-79.0% | $12.5M | ||||||||||||
| Gain on the sale of SBA loans | $1.4M+215.9% | $453K-3.2% | $468K+51.0% | $310K | ||||||||||||
| Gain on sale-leaseback transaction | $0-100.0% | $1.5M | $0 | — | ||||||||||||
| Total Non-Interest Income, net | $7.2M-12.2% | $8.2M+54.1% | $5.3M-72.7% | $19.4M | ||||||||||||
| Salaries and employee benefits | $15.2M+3.6% | $14.6M+5.7% | $13.8M-31.2% | $20.1M | ||||||||||||
| Directors’ fees and expenses | $263K+30.8% | $201K-36.4% | $316K+10.5% | $286K | ||||||||||||
| Occupancy and equipment | $1.8M+26.9% | $1.4M-14.4% | $1.7M-13.0% | $1.9M | ||||||||||||
| Data processing | $1.8M+35.6% | $1.3M+23.5% | $1.1M+52.3% | $690K | ||||||||||||
| Professional fees | $1.8M+70.0% | $1.1M+16.6% | $932K+24.6% | $748K | ||||||||||||
| FDIC deposit insurance assessment | $530K-13.7% | $614K-29.2% | $867K+31.8% | $658K | ||||||||||||
| Advertising | $294K-2.6% | $302K+6.7% | $283K-50.2% | $568K | ||||||||||||
| Amortization of other intangible | $48K-2.0% | $49K+0.0% | $49K+0.0% | $49K | ||||||||||||
| Other | $1.5M+6.2% | $1.4M-26.1% | $1.9M-13.8% | $2.2M | ||||||||||||
| Total Non-Interest Expense | $23.2M+10.4% | $21.0M+0.5% | $20.9M-23.3% | $27.3M | ||||||||||||
| Income from continuing operations before income taxes | $644K-81.2% | $3.4M-5.3% | $3.6M-73.0% | $13.4M | ||||||||||||
| Income taxes from continuing operations | $322K-72.9% | $1.2M-10.5% | $1.3M-56.5% | $3.1M | ||||||||||||
| Net income from continuing operations | $322K-86.5% | $2.4M+4.7% | $2.3M | — | ||||||||||||
| Income from discontinued operations | $0-100.0% | $564K+254.9% | -$364K | — | ||||||||||||
| Income tax from discontinued operations | $0-100.0% | $158K+254.9% | -$102K | — | ||||||||||||
| Net income from discontinued operations | $0-100.0% | $406K+255.0% | -$262K | — | ||||||||||||
| Net income | $322K-88.5% | $2.8M+38.4% | $2.0M-74.3% | $7.9M | ||||||||||||
| Earnings per share from continuing operations – basic (in dollars per share) | $0.12-87.0% | $0.92-9.8% | $1.02 | — | ||||||||||||
| Earnings per share from discontinued operations – basic (in dollars per share) | $0.00-100.0% | $0.16+233.3% | -$0.12 | — | ||||||||||||
| Basic earnings per share, net (in dollars per share) | $0.12-88.9% | $1.08+20.0% | $0.90-76.6% | $3.85 | ||||||||||||
| Average shares outstanding - basic (in shares) | 2.6M+2.1% | 2.6M+14.4% | 2.3M+10.4% | 2.0M | ||||||||||||
| Earnings per share from continuing operations - diluted (in dollars per share) | $0.12-87.0% | $0.92-8.0% | $1.00 | — | ||||||||||||
| Earnings per share from discontinued operations - diluted (in dollars per share) | $0.00-100.0% | $0.16+245.5% | -$0.11 | — | ||||||||||||
| Diluted earnings per share, net (in dollars per share) | $0.12-88.9% | $1.08+21.3% | $0.89-75.6% | $3.65 | ||||||||||||
| Average shares outstanding - diluted (in shares) | 2.6M+2.1% | 2.6M+13.4% | 2.3M+5.7% | 2.2M | ||||||||||||
| Mortgage Banking and Abstract Fees [Member] | ||||||||||||||||
| Non-interest revenue | $947K+4.2% | $909K+51.5% | $600K-80.7% | $3.1M | ||||||||||||
| Real Estate Sales Commissions [Member] | ||||||||||||||||
| Other Fees and Services Fees [Member] | ||||||||||||||||
| Continuing Operations [Member] | ||||||||||||||||
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.