| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 | FY2011 | FY2010 | FY2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest and fees on loans | $36.6M-22.7% | $47.3M-12.9% | $54.3M+33.0% | $40.8M | |||||||||||||
| Interest on investment securities | $2.9M+14.4% | $2.6M-3.3% | $2.7M+15.0% | $2.3M | |||||||||||||
| Dividends on investment securities | $168K-41.5% | $287K-43.1% | $504K+31.3% | $384K | |||||||||||||
| Other interest income | $8.2M+273.7% | $2.2M+46.8% | $1.5M+199.2% | $498K | |||||||||||||
| Total interest and dividend income | $47.8M-8.6% | $52.4M-11.2% | $59.0M+34.0% | $44.0M | |||||||||||||
| Interest on deposits | $26.7M+2.4% | $26.0M+20.2% | $21.7M+308.8% | $5.3M | |||||||||||||
| Interest on FHLB, FRB and correspondent bank borrowings | $100K-97.1% | $3.5M-43.4% | $6.1M+75.0% | $3.5M | |||||||||||||
| Interest on senior debt | $610K-47.4% | $1.2M+0.0% | $1.2M+33.8% | $866K | |||||||||||||
| Interest on subordinated debt | $1.4M-15.1% | $1.6M+7.8% | $1.5M+38.9% | $1.1M | |||||||||||||
| Interest on note payable | $1K-80.0% | $5K-37.5% | $8K-33.3% | $12K | |||||||||||||
| Total interest expense | $28.7M-11.0% | $32.3M+6.0% | $30.5M+183.2% | $10.8M | |||||||||||||
| Net interest income | $19.1M-4.8% | $20.1M-29.6% | $28.5M-14.3% | $33.3M | |||||||||||||
| Provision for credit losses | $1.5M-87.9% | $12.5M+67.7% | $7.4M+294.1% | $1.9M | |||||||||||||
| Net interest income after provision for credit losses | $17.6M+131.0% | $7.6M-63.8% | $21.1M-32.8% | $31.4M | |||||||||||||
| Loan application, inspection and processing fees | $571K-8.6% | $625K-9.9% | $694K+79.8% | $386K | |||||||||||||
| Deposit fees and service charges | $1.5M+184.3% | $536K+88.1% | $285K+11.3% | $256K | |||||||||||||
| (Loss) gain on sales of loans | -$2.2M-606.8% | $440K+160.4% | $169K-88.4% | $1.5M | |||||||||||||
| Rental income | $323K+7.0% | $302K-23.5% | $395K-30.2% | $566K | |||||||||||||
| (Loss) gain on sale of investment securities, net | $0+100.0% | -$334K-1491.7% | $24K | $0 | |||||||||||||
| Digital payment fee income | $9.9M+93.0% | $5.1M+122.7% | $2.3M+235.9% | $683K | |||||||||||||
| Other income | $468K-72.2% | $1.7M-21.5% | $2.1M+747.4% | $253K | |||||||||||||
| Total non-interest income | $10.5M+25.7% | $8.4M+39.3% | $6.0M+66.6% | $3.6M | |||||||||||||
| Salaries and benefits | $22.0M+22.8% | $17.9M+1.7% | $17.6M+13.5% | $15.5M | |||||||||||||
| Occupancy and equipment expense | $3.1M-3.5% | $3.2M-5.9% | $3.4M-0.5% | $3.4M | |||||||||||||
| Data processing expense | $1.7M+30.1% | $1.3M+7.5% | $1.2M+3.6% | $1.2M | |||||||||||||
| Professional and other outside services | $4.3M+16.5% | $3.7M+9.8% | $3.4M+26.5% | $2.7M | |||||||||||||
| Project expenses, net | $0 | $0-100.0% | $93K-30.1% | $133K | |||||||||||||
| Advertising and promotional expense | $289K-19.7% | $360K+33.8% | $269K+15.9% | $232K | |||||||||||||
| Loan administration and processing expense | $199K+19.2% | $167K-35.5% | $259K+10.7% | $234K | |||||||||||||
| Regulatory assessments | $1.7M+27.4% | $1.4M+15.9% | $1.2M+43.9% | $817K | |||||||||||||
| Insurance expense, net | $729K+130.7% | $316K+14.1% | $277K+2.2% | $271K | |||||||||||||
| Communications, stationary and supplies | $1.4M+45.3% | $973K+11.8% | $870K+41.2% | $616K | |||||||||||||
| Intangible asset impairment | $0 | $0-100.0% | $1.1M | $0 | |||||||||||||
| Other operating expense | $5.3M+90.9% | $2.8M-9.0% | $3.1M+42.9% | $2.1M | |||||||||||||
| Total non-interest expense | $40.8M+27.1% | $32.1M-1.9% | $32.7M+20.2% | $27.2M | |||||||||||||
| (Loss) income before income taxes | -$12.7M+21.4% | -$16.1M-185.8% | -$5.6M-172.6% | $7.8M | |||||||||||||
| Provision (benefit) for income taxes | $59K-99.8% | $23.8M+1735.8% | -$1.5M-191.1% | $1.6M | |||||||||||||
| Net (loss) income | -$12.7M+68.1% | -$39.9M-854.3% | -$4.2M-167.8% | $6.2M | |||||||||||||
| Basic (loss) earnings per share (usd per share) | -$0.17+98.3% | -$10.03-855.2% | -$1.05-167.3% | $1.56 | |||||||||||||
| Diluted (loss) earnings per common share (usd per share) | -$0.17+98.3% | -$10.03-855.2% | -$1.05-167.7% | $1.55 |
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.