INTEREST AND DIVIDEND INCOME: |
Loans receivable |
68.99M |
MBS |
16.86M |
Investment securities |
4.57M |
Capital stock of FHLB |
1.01M |
Cash and cash equivalents |
61K |
Total interest and dividend income |
91.49M |
INTEREST EXPENSE: |
FHLB advances |
24.42M |
Deposits |
19.15M |
Other borrowings |
7.03M |
Total interest expense |
50.6M |
NET INTEREST AND DIVIDEND INCOME |
40.89M |
Provision for loan losses |
1.82M |
NET INTEREST AND DIVIDEND INCOME AFTER PROVISION FOR LOAN LOSSES |
39.07M |
OTHER INCOME: |
Retail fees and charges |
4.68M |
Insurance commissions |
573K |
Loan fees |
670K |
Income from BOLI |
351K |
Gain on securities, net |
0 |
Gain on loans receivable, net |
972K |
Other income, net |
507K |
Total other income |
7.75M |
OTHER EXPENSES: |
Salaries and employee benefits |
10.86M |
Communications, information technology, and occupancy |
3.7M |
Federal insurance premium |
1.84M |
Advertising and promotional |
1.3M |
Deposit and loan transaction costs |
1.24M |
Regulatory and outside services |
927K |
Postage and office supplies |
439K |
Other expenses, net |
329K |
Total other expenses |
20.62M |
INCOME BEFORE INCOME TAX EXPENSE |
26.2M |
INCOME TAX EXPENSE |
9.44M |
NET INCOME |
16.76M |
Dividends declared per public share |
0.5 |
Basic earnings per common share |
0.23 |
Diluted earnings per common share |
0.23 |
Basic weighted average common shares |
73.27M |
Diluted weighted average common shares |
73.3M |