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Consolidated Statements Of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Sep. 30, 2011
Sep. 30, 2010
Interest Income:    
Loans $ 19,343 $ 21,955
Mortgage-backed securities 3,323 3,079
Investment securities-taxable 2,506 3,044
Investment securities-tax-exempt 1,461 1,732
Other 77 53
Total Interest Income 26,710 29,863
Interest Expense:    
Deposits 4,418 5,516
Securities sold under agreement to repurchase 4,355 5,061
Short-term borrowings 5 6
Long-term debt 2,708 3,993
Subordinated debt 408 409
Total Interest Expense 11,894 14,985
Net Interest Income 14,816 14,878
Provision for Loan Losses 1,200 1,600
Net Interest Income after Provision for Loan Losses 13,616 13,278
Non-interest Income:    
Other-than-temporary impairment losses (2,714) (11,283)
Non-credit related losses recognized in other comprehensive income 1,212 7,697
Net impairment losses recognized in earnings (1,502) (3,586)
Loan service charges and fees 658 672
Realized gain on sales of securities, net 809 1,118
Gain on sales of loans 300 472
Loss on loan interest rate swaps (4) (10)
Deposit service charges and fees 1,226 1,397
ATM fees 985 931
Non-insured investment products 218 167
Earnings on cash surrender value of life insurance 255 235
Other 231 194
Total Non-interest Income 3,176 1,590
Non-interest Expense:    
Compensation and benefits 8,656 8,190
Office occupancy and equipment expense 1,067 1,036
Depreciation and amortization 568 535
Advertising 300 332
Professional fees 438 499
Service bureau expense 566 571
Federal deposit insurance premiums 1,043 1,229
Other 2,483 2,383
Total Non-interest Expense 15,121 14,775
Income Before Provision for (Benefit of) Income Taxes 1,671 93
Provision for (Benefit of) Income Taxes 136 (585)
Net Income 1,535 678
Preferred Stock Dividend (350) (350)
Accretion of Preferred Stock Discount (60) (60)
Net Income Available to Common Stockholders $ 1,125 $ 268
Earnings per Share:    
Basic Earnings per Common Share $ 0.37 $ 0.09
Diluted Earnings per Common Share $ 0.37 $ 0.09