As Reported Financial Statements

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As Reported Financials

Source Document Currency Code (in thousands) 2011 Y 9/30/2012 USD 2012 Y 9/30/2012 USD 2014 Y 9/30/2015 USD 2015 Y 9/30/2015 USD
Source Document Currency Code 2011 Y 9/30/2012 USD 2012 Y 9/30/2012 USD 2014 Y 9/30/2015 USD 2015 Y 9/30/2015 USD

Interest and Dividend Income

Interest and fees on mortgage loans 18,953 17,843 14,083 13,968
Interest on commercial loans 5,146 5,634 5,798 6,022
Interest on consumer and other loans 4,046 3,686 3,586 3,709
Interest on mortgage-backed securities 5,675 5,199 3,873 3,193
Interest on taxable investments 2,905 1,463 1,275 1,294
Interest on tax-exempt investments 845 704 623 606
Dividends on investment securities 3 4 NA NA
Total interest and dividend income 37,573 34,533 29,238 28,792

Interest Expense

Interest on deposits 7,488 5,817 3,237 2,318
Interest on borrowings 11,546 9,278 NA NA
Interest on short-term borrowings NA NA 109 125
Interest on long-term debt NA NA 6,815 6,380
Total interest expense 19,034 15,095 10,161 8,823
Net Interest Income 18,539 19,438 19,077 19,969
Provision for Loan Losses 1,150 930 880 875
Net Interest Income, after Provision for Loan Losses 17,389 18,508 18,197 19,094

Other Income

Customer service fees 549 578 533 507
Realized gains on securities 0 34 709 221
Realized gains on loans, net 0 34 NA NA
Income on bank-owned life insurance 1,548 486 416 404
Other income 889 1,038 1,134 1,281
Total other income 2,986 2,170 2,792 2,413

Other Expenses

Salaries and employee benefits 7,403 7,733 7,834 8,221
Occupancy and equipment 1,382 1,388 1,374 1,306
Deposit insurance premiums 727 553 636 614
Data processing 743 753 875 975
Other 2,870 3,061 2,913 3,031
Total other expenses 13,125 13,488 13,632 14,147
Income before Income Tax Expense 7,250 7,190 7,357 7,360
Income tax expense 1,855 2,137 2,440 2,434
Net Income 5,395 5,053 4,917 4,926

Earnings Per Share

Basic 1.45 1.35 1.30 1.33
Diluted 1.44 1.33 1.21 1.30

Weighted Average Shares Outstanding

Basic 3,726,599 3,747,729 3,789,714 3,714,089
Diluted 3,758,281 3,811,447 3,858,312 3,793,381

Consolidated Statements of Comprehensive Income

Net Income 5,395 5,053 4,917 4,926

Other Comprehensive Loss

Unrealized gains on available-for-sale-securities (36) 102 (23) (2)
Unrealized gains on available-for-sale-securities Income tax effect NA NA 7 1
Reclassification adjustment for investment security gains included in net income NA NA 0 0
Reclassification adjustment for investment security gains included in net income Income tax effect NA NA 0 0
Other comprehensive loss, net of tax NA NA (16) (1)
Comprehensive income 5,359 5,155 4,901 4,925
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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