|
New York
(州或其他管辖范围 成立公司或组织) |
| |
6022
(主要标准工业 分类代码号) |
| |
81-3324480
(IRS Employer Identification No.) |
|
|
Robert A. Schwartz, Esq.
Gregory T. Krauss, Esq. Windels Max Lane&Mittendorf LLP 120 Albany Street Plaza, 6th Floor New Brunswick, NJ 08901 (732) 448-2548 |
| |
Jay Hack, Esq.
Gallet Dreyer & Berkey, LLP 845 Third Avenue New York, New York 10022 (212) 935-3131 jlh@gdblaw.com |
|
|
Large accelerated filer ☐
|
| | | | | Accelerated filer ☐ | |
|
Non-accelerated filer ☐
|
| | (不要检查是否有较小的报告公司) | | |
较小的报告公司
新兴成长型公司
|
|
| Sincerely, | | | | |
|
![]() Metin Negrin 董事会主席 Savoy Bank |
| |
![]()
McClelland Wilcox
总裁和首席执行官 Savoy Bank |
|
|
ABOUT THIS DOCUMENT
|
| | | | 1 | | |
|
关于合并和股东大会的问答
|
| | | | 2 | | |
|
SUMMARY
|
| | | | 8 | | |
|
RISK FACTORS
|
| | | | 27 | | |
|
THE MERGER
|
| | | | 38 | | |
|
Background of the Merger
|
| | | | 38 | | |
|
萨沃伊董事会推荐
|
| | | | 44 | | |
|
汉诺威合并的原因
|
| | | | 44 | | |
|
萨沃伊财务顾问的意见
|
| | | | 45 | | |
|
合并完成后,汉诺威和汉诺威银行的董事会和管理层
|
| | | | 53 | | |
|
萨沃伊股东在第一次合并中拥有异议权利
|
| | | | 53 | | |
|
Trading Markets
|
| | | | 55 | | |
|
合并需要监管部门的批准
|
| | | | 55 | | |
|
萨沃伊的董事和高管在合并中拥有财务利益
|
| | | | 56 | | |
|
THE MERGER AGREEMENT
|
| | | | 57 | | |
|
Terms of the Merger
|
| | | | 57 | | |
|
合并的完成和生效时间
|
| | | | 57 | | |
|
合并中应收到的对价
|
| | | | 58 | | |
|
换股流程
|
| | | | 59 | | |
|
陈述和保修
|
| | | | 59 | | |
|
契约和协议
|
| | | | 60 | | |
|
Severance
|
| | | | 63 | | |
|
召开股东大会;支持合并
|
| | | | 63 | | |
|
不征求其他报价的协议
|
| | | | 63 | | |
|
Expenses and Fees
|
| | | | 65 | | |
|
赔偿和保险
|
| | | | 65 | | |
|
完成合并的条件
|
| | | | 65 | | |
|
合并协议终止
|
| | | | 66 | | |
|
Termination Fee
|
| | | | 67 | | |
|
合并协议的修订、豁免和延期
|
| | | | 67 | | |
|
ACCOUNTING TREATMENT
|
| | | | 68 | | |
|
合并的重大美国联邦所得税后果
|
| | | | 69 | | |
|
监督管理
|
| | | | 71 | | |
|
反洗钱倡议和美国爱国者法案
|
| | | | 75 | | |
|
关于Hanover Bancorp,Inc.
|
| | | | 79 | | |
|
业务描述
|
| | | | 79 | | |
|
汉诺威普通股的市价和股息
|
| | | | 81 | | |
|
与关联人的交易
|
| | | | 102 | | |
|
SAVOY’S SPECIAL MEETING
|
| | | | 103 | | |
|
Date and Time
|
| | | | 103 | | |
|
Matters to be Considered
|
| | | | 103 | | |
|
有权投票的股东
|
| | | | 103 | | |
|
Quorum and Required Vote
|
| | | | 103 | | |
|
股东特别大会将如何表决股份
|
| | | | 104 | | |
|
How to Vote Your Shares
|
| | | | 104 | | |
|
How to Change Your Vote
|
| | | | 104 | | |
|
代理征集
|
| | | | 104 | | |
|
参加会议
|
| | | | 105 | | |
|
Voting Agreements
|
| | | | 105 | | |
|
1号提案 - 通过并批准合并协议
|
| | | | 105 | | |
|
第2号提案 - 授权就休会或其他事项进行投票
|
| | | | 105 | | |
|
萨沃伊银行信息
|
| | | | 107 | | |
|
Business
|
| | | | 107 | | |
|
Legal Proceedings
|
| | | | 107 | | |
|
萨沃伊普通股的市价和股息
|
| | | | 107 | | |
|
汉诺威董事会指定的萨沃伊人选信息
|
| | | | 107 | | |
|
股东权利对比表
|
| | | | 123 | | |
|
EXPERTS
|
| | | | 126 | | |
|
财务报表索引
|
| | | | F-1 | | |
|
附件A - 协议和合并计划
|
| | | | A-1 | | |
|
詹尼·蒙哥马利·斯科特有限责任公司的附件B - 意见
|
| | | | B-1 | | |
|
ANNEX C – DISSENTERS’ RIGHTS STATUTE
|
| | | | C-1 | | |
| | |
As of or
For the Three Months Ended December 31, |
| |
截至9月30日或截至9月30日的年度
|
| ||||||||||||||||||||||||||||||||||||
| | |
2020
|
| |
2019
|
| |
2020
|
| |
2019
|
| |
2018
|
| |
2017
|
| |
2016
|
| |||||||||||||||||||||
| | |
(dollars in thousands)
|
| |||||||||||||||||||||||||||||||||||||||
选定的财务状况数据 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Total assets
|
| | | $ | 876,883 | | | | | $ | 861,575 | | | | | $ | 851,606 | | | | | $ | 848,836 | | | | | $ | 649,963 | | | | | $ | 501,358 | | | | | $ | 362,278 | | |
扣除递延费用和成本后的贷款
|
| | | | 728,752 | | | | | | 723,241 | | | | | | 725,019 | | | | | | 720,442 | | | | | | 559,380 | | | | | | 422,627 | | | | | | 301,098 | | |
Allowance for loan losses
|
| | | | 7,979 | | | | | | 7,143 | | | | | | 7,869 | | | | | | 7,143 | | | | | | 6,493 | | | | | | 4,795 | | | | | | 3,419 | | |
Securities – available-for-sale
|
| | | | 7,434 | | | | | | 914 | | | | | | 6,035 | | | | | | 911 | | | | | | 185 | | | | | | 1,526 | | | | | | — | | |
Securities – held-to-maturity
|
| | | | 10,001 | | | | | | 11,768 | | | | | | 10,727 | | | | | | 12,030 | | | | | | 12,931 | | | | | | 13,872 | | | | | | 1,500 | | |
商誉和其他无形资产
|
| | | | 1,921 | | | | | | 1,507 | | | | | | 1,922 | | | | | | 1,508 | | | | | | — | | | | | | — | | | | | | — | | |
Total borrowings
|
| | | | 98,982 | | | | | | 110,068 | | | | | | 100,138 | | | | | | 115,726 | | | | | | 124,496 | | | | | | 82,369 | | | | | | 60,386 | | |
Deposits
|
| | | | 688,316 | | | | | | 669,523 | | | | | | 664,760 | | | | | | 650,286 | | | | | | 466,159 | | | | | | 372,730 | | | | | | 266,546 | | |
有形普通股股东权益(1)
|
| | | | 78,103 | | | | | | 72,389 | | | | | | 76,121 | | | | | | 70,442 | | | | | | 54,230 | | | | | | 41,778 | | | | | | 32,063 | | |
Total stockholders’ equity
|
| | | | 80,024 | | | | | | 73,896 | | | | | | 78,043 | | | | | | 71,950 | | | | | | 54,230 | | | | | | 41,778 | | | | | | 32,063 | | |
选定的运行数据 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Interest income
|
| | | $ | 9,497 | | | | | $ | 10,436 | | | | | $ | 40,133 | | | | | $ | 34,497 | | | | | $ | 26,724 | | | | | $ | 18,161 | | | | | $ | 12,956 | | |
Interest expense
|
| | | | 2,170 | | | | | | 3,699 | | | | | | 13,011 | | | | | | 12,076 | | | | | | 8,503 | | | | | | 5,279 | | | | | | 3,073 | | |
Net interest income
|
| | | | 7,327 | | | | | | 6,737 | | | | | | 27,122 | | | | | | 22,421 | | | | | | 18,221 | | | | | | 12,882 | | | | | | 9,883 | | |
Provision for loan losses
|
| | | | 100 | | | | | | — | | | | | | 1,250 | | | | | | 650 | | | | | | 1,698 | | | | | | 1,376 | | | | | | 1,225 | | |
拨备后净利息收入
for loan losses |
| | | | 7,227 | | | | | | 6,737 | | | | | | 25,872 | | | | | | 21,771 | | | | | | 16,523 | | | | | | 11,506 | | | | | | 8,658 | | |
Non-interest income
|
| | | | 286 | | | | | | 692 | | | | | | 1,364 | | | | | | 4,770 | | | | | | 2,733 | | | | | | 1,543 | | | | | | 846 | | |
Non-interest expense
|
| | | | 5,590 | | | | | | 5,151 | | | | | | 21,022 | | | | | | 15,887 | | | | | | 11,880 | | | | | | 9,584 | | | | | | 6,464 | | |
所得税前收入支出
|
| | | | 1,923 | | | | | | 2,278 | | | | | | 6,214 | | | | | | 10,654 | | | | | | 7,376 | | | | | | 3,465 | | | | | | 3,040 | | |
Income tax expense
|
| | | | 404 | | | | | | 508 | | | | | | 1,240 | | | | | | 2,569 | | | | | | 2,775 | | | | | | 1,313 | | | | | | 1,075 | | |
Net income
|
| | | $ | 1,519 | | | | | $ | 1,770 | | | | | $ | 4,974 | | | | | $ | 8,085 | | | | | $ | 4,601 | | | | | $ | 2,152 | | | | | $ | 1,965 | | |
| | |
As of or
For the Three Months Ended December 31, |
| |
截至9月30日或截至9月30日的年度
|
| ||||||||||||||||||||||||||||||||||||
| | |
2020
|
| |
2019
|
| |
2020
|
| |
2019
|
| |
2018
|
| |
2017
|
| |
2016
|
| |||||||||||||||||||||
| | |
(千美元,共享数据除外)
|
| |||||||||||||||||||||||||||||||||||||||
Per Common Share Data | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Basic earnings per share
|
| | | $ | 0.36 | | | | | $ | 0.43 | | | | | $ | 1.20 | | | | | $ | 2.10 | | | | | $ | 1.39 | | | | | $ | 0.78 | | | | | $ | 0.75 | | |
Diluted earnings per share
|
| | | | 0.36 | | | | | | 0.42 | | | | | | 1.18 | | | | | | 2.06 | | | | | | 1.36 | | | | | | 0.78 | | | | | | 0.75 | | |
Book value per common share
|
| | | | 19.12 | | | | | | 17.84 | | | | | | 18.69 | | | | | | 17.28 | | | | | | 15.14 | | | | | | 13.41 | | | | | | 12.14 | | |
每股普通股有形账面价值(1)
|
| | | | 18.66 | | | | | | 17.48 | | | | | | 18.23 | | | | | | 16.92 | | | | | | 15.14 | | | | | | 13.41 | | | | | | 12.14 | | |
选定的绩效比率 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Return on average assets
|
| | | | 0.71% | | | | | | 0.83% | | | | | | 0.58% | | | | | | 1.16% | | | | | | 0.81% | | | | | | 0.51% | | | | | | 0.67% | | |
普通股股东权益平均回报率
|
| | | | 7.62% | | | | | | 9.66% | | | | | | 6.63% | | | | | | 12.71% | | | | | | 9.89% | | | | | | 6.09% | | | | | | 6.36% | | |
有形普通股平均回报率
equity(1) |
| | | | 7.81% | | | | | | 9.86% | | | | | | 6.77% | | | | | | 12.81% | | | | | | 9.89% | | | | | | 6.09% | | | | | | 6.36% | | |
运营效率比
|
| | | | 73.43% | | | | | | 69.34% | | | | | | 73.79% | | | | | | 58.43% | | | | | | 56.75% | | | | | | 66.44% | | | | | | 60.26% | | |
Net interest margin
|
| | | | 3.53% | | | | | | 3.27% | | | | | | 3.29% | | | | | | 3.30% | | | | | | 3.30% | | | | | | 3.14% | | | | | | 3.49% | | |
选定的资产质量数据和比率 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
非应计项目贷款(不包括待售贷款)
|
| | | $ | 4,053 | | | | | $ | 760 | | | | | $ | 953 | | | | | $ | 1,613 | | | | | $ | — | | | | | $ | — | | | | | $ | — | | |
逾期90天或更长时间且仍在累积的贷款(Pci)
|
| | | | 318 | | | | | | 302 | | | | | | 296 | | | | | | 629 | | | | | | — | | | | | | — | | | | | | — | | |
Performing TDRs
|
| | | | 454 | | | | | | 454 | | | | | | 454 | | | | | | 454 | | | | | | 354 | | | | | | 562 | | | | | | 1,055 | | |
净借款(收回)/冲销
|
| | | | (10) | | | | | | — | | | | | | 524 | | | | | | — | | | | | | — | | | | | | — | | | | | | (14) | | |
不良资产(2)占总资产的比例
|
| | | | 0.46% | | | | | | 0.09% | | | | | | 0.11% | | | | | | 0.19% | | | | | | 0.00% | | | | | | 0.00% | | | | | | 0.00% | | |
非权责发生制贷款(不包括待售贷款)的贷款损失准备
|
| | | | 197% | | | | | | 940% | | | | | | 826% | | | | | | 443% | | | | | | 不适用 | | | | | | 不适用 | | | | | | 不适用 | | |
净贷款(收回)/平均贷款冲销
|
| | | | -0.01% | | | | | | 0.00% | | | | | | 0.07% | | | | | | 0.00% | | | | | | 0.00% | | | | | | 0.00% | | | | | | -0.01% | | |
Bank Capital Ratios | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Tier 1 leverage ratio
|
| | | | 12.04% | | | | | | 10.11% | | | | | | 11.22% | | | | | | 10.47% | | | | | | 10.85% | | | | | | 10.06% | | | | | | 10.89% | | |
普通股一级资本充足率
|
| | | | 21.49% | | | | | | 18.43% | | | | | | 19.32% | | | | | | 17.81% | | | | | | 19.04% | | | | | | 16.56% | | | | | | 17.75% | | |
Tier 1 risk-based capital ratio
|
| | | | 21.49% | | | | | | 18.43% | | | | | | 19.32% | | | | | | 17.81% | | | | | | 19.04% | | | | | | 16.56% | | | | | | 17.75% | | |
基于风险的总资本比率
|
| | | | 22.75% | | | | | | 19.68% | | | | | | 20.57% | | | | | | 19.07% | | | | | | 20.30% | | | | | | 17.82% | | | | | | 19.01% | | |
有形普通股权益与有形普通股权益之比
assets(1) |
| | | | 8.93% | | | | | | 8.42% | | | | | | 8.96% | | | | | | 8.31% | | | | | | 8.34% | | | | | | 8.33% | | | | | | 8.85% | | |
| | |
As of December 31,
|
| |
As of September 30,
|
| ||||||||||||||||||||||||||||||||||||
| | |
2020
|
| |
2019
|
| |
2020
|
| |
2019
|
| |
2018
|
| |
2017
|
| |
2016
|
| |||||||||||||||||||||
| | |
(千美元,共享数据除外)
|
| |||||||||||||||||||||||||||||||||||||||
有形普通股权益和有形普通股
equity/tangible assets |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Common stockholders’ equity
|
| | | $ | 80,024 | | | | | $ | 73,896 | | | | | $ | 78,043 | | | | | $ | 71,950 | | | | | $ | 54,230 | | | | | $ | 41,778 | | | | | $ | 32,063 | | |
减去商誉和其他无形资产
|
| | | | (1,921) | | | | | | (1,507) | | | | | | (1,922) | | | | | | (1,508) | | | | | | — | | | | | | — | | | | | | — | | |
有形普通股股东权益
|
| | | $ | 78,103 | | | | | $ | 72,389 | | | | | $ | 76,121 | | | | | $ | 70,442 | | | | | $ | 54,230 | | | | | $ | 41,778 | | | | | $ | 32,063 | | |
Total assets
|
| | | $ | 876,883 | | | | | $ | 861,575 | | | | | $ | 851,606 | | | | | $ | 848,836 | | | | | $ | 649,963 | | | | | $ | 501,358 | | | | | $ | 362,278 | | |
减去商誉和其他无形资产
|
| | | | (1,921) | | | | | | (1,507) | | | | | | (1,922) | | | | | | (1,508) | | | | | | — | | | | | | — | | | | | | — | | |
Tangible assets
|
| | | $ | 874,962 | | | | | $ | 860,068 | | | | | $ | 849,684 | | | | | $ | 847,328 | | | | | $ | 649,963 | | | | | $ | 501,358 | | | | | $ | 362,278 | | |
有形普通股权益比率
|
| | | | 8.93% | | | | | | 8.42% | | | | | | 8.96% | | | | | | 8.31% | | | | | | 8.34% | | | | | | 8.33% | | | | | | 8.85% | | |
每股普通股有形账面价值 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Book value per common share
|
| | | $ | 19.12 | | | | | $ | 17.84 | | | | | $ | 18.69 | | | | | $ | 17.28 | | | | | $ | 15.14 | | | | | $ | 13.41 | | | | | $ | 12.14 | | |
减去商誉和其他无形资产
|
| | | | (0.46) | | | | | | (0.36) | | | | | | (0.46) | | | | | | (0.36) | | | | | | — | | | | | | — | | | | | | — | | |
每股普通股有形账面价值
|
| | | $ | 18.66 | | | | | $ | 17.48 | | | | | $ | 18.23 | | | | | $ | 16.92 | | | | | $ | 15.14 | | | | | $ | 13.41 | | | | | $ | 12.14 | | |
有形普通股权益平均回报率 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Net income
|
| | | $ | 1,519 | | | | | $ | 1,770 | | | | | $ | 4,974 | | | | | $ | 8,085 | | | | | $ | 4,601 | | | | | $ | 2,152 | | | | | $ | 1,965 | | |
普通股股东平均权益
|
| | | | 79,063 | | | | | | 72,929 | | | | | | 74,976 | | | | | | 63,588 | | | | | | 46,545 | | | | | | 35,312 | | | | | | 30,903 | | |
减去商誉和其他无形资产
|
| | | | (1,922) | | | | | | (1,508) | | | | | | (1,549) | | | | | | (492) | | | | | | — | | | | | | — | | | | | | — | | |
平均有形普通股股东权益
|
| | | $ | 77,141 | | | | | $ | 71,421 | | | | | $ | 73,427 | | | | | $ | 63,096 | | | | | $ | 46,545 | | | | | $ | 35,312 | | | | | $ | 30,903 | | |
普通股股东权益平均回报率
|
| | | | 7.62% | | | | | | 9.66% | | | | | | 6.63% | | | | | | 12.71% | | | | | | 9.89% | | | | | | 6.09% | | | | | | 6.36% | | |
有形普通股股东权益平均回报率
|
| | | | 7.81% | | | | | | 9.86% | | | | | | 6.77% | | | | | | 12.81% | | | | | | 9.89% | | | | | | 6.09% | | | | | | 6.36% | | |
| | | | | |
At or For The Year Ended December 31,
|
| |||||||||||||||||||||||||||
(千美元,每股数据除外)
|
| | | | |
2020
|
| |
2019
|
| |
2018
|
| |
2017
|
| |
2016
|
| |||||||||||||||
财务状况数据: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Total assets
|
| | | | | | $ | 600,580 | | | | | $ | 382,668 | | | | | $ | 349,480 | | | | | $ | 292,759 | | | | | $ | 250,284 | | |
Cash and cash equivalents
|
| | | | | | | 90,406 | | | | | | 41,277 | | | | | | 30,912 | | | | | | 36,512 | | | | | | 39,179 | | |
其他金融机构的定期存款
|
| | | | | | | 1,849 | | | | | | 1,600 | | | | | | 1,600 | | | | | | 1,594 | | | | | | 2,342 | | |
可供出售的证券,净额
|
| | | | | | | 1,338 | | | | | | 2,778 | | | | | | 3,402 | | | | | | 2,802 | | | | | | 3,689 | | |
Loan receivable
|
| | | | | | | 501,597 | | | | | | 332,251 | | | | | | 311,120 | | | | | | 250,350 | | | | | | 203,044 | | |
Allowance for loan losses
|
| | | | | | | 8,355 | | | | | | 5,262 | | | | | | 4,723 | | | | | | 3,292 | | | | | | 2,844 | | |
Deposits: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Demand Deposits
|
| | | | | | | 47,358 | | | | | | 39,381 | | | | | | 35,980 | | | | | | 44,586 | | | | | | 58,749 | | |
NOW Deposits
|
| | | | | | | 7,342 | | | | | | 2,572 | | | | | | 6,551 | | | | | | 5,699 | | | | | | 6,443 | | |
Money Market Deposits
|
| | | | | | | 77,807 | | | | | | 58,152 | | | | | | 66,851 | | | | | | 47,702 | | | | | | 37,009 | | |
Savings Deposits
|
| | | | | | | 16,090 | | | | | | 14,318 | | | | | | 18,473 | | | | | | 903 | | | | | | 1,515 | | |
Certificates of Deposit
|
| | | | | | | 210,856 | | | | | | 211,432 | | | | | | 173,292 | | | | | | 158,468 | | | | | | 119,458 | | |
Total deposits
|
| | | | | | | 359,453 | | | | | | 325,855 | | | | | | 301,147 | | | | | | 257,358 | | | | | | 223,174 | | |
Borrowed funds
|
| | | | | | | 190,021 | | | | | | 12,500 | | | | | | 10,000 | | | | | | 5,250 | | | | | | — | | |
Stockholders’ equity
|
| | | | | | | 46,030 | | | | | | 40,957 | | | | | | 35,447 | | | | | | 29,475 | | | | | | 25,591 | | |
Asset Quality Data: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Nonaccrual loans
|
| | | | | | $ | 6,241 | | | | | $ | 2,266 | | | | | $ | 5,533 | | | | | $ | 794 | | | | | $ | 2,679 | | |
丧失抵押品赎回权的房地产,扣除估值津贴后的净额
|
| | | | | | | 1,500 | | | | | | 1,737 | | | | | | — | | | | | | — | | | | | | — | | |
应计问题债务重组贷款
|
| | | | | | | 344 | | | | | | 1,096 | | | | | | 3,592 | | | | | | 3,035 | | | | | | 2,761 | | |
逾期90天且仍在应计的贷款
|
| | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Loan charge offs
|
| | | | | | | 374 | | | | | | 2,566 | | | | | | 1,232 | | | | | | 2,080 | | | | | | — | | |
Loan recoveries
|
| | | | | | | 192 | | | | | | 265 | | | | | | 161 | | | | | | 103 | | | | | | 2 | | |
Operations Data: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
利息和股息收入
|
| | | | | | $ | 25,457 | | | | | $ | 23,530 | | | | | $ | 19,502 | | | | | $ | 15,623 | | | | | $ | 11,507 | | |
Interest expense
|
| | | | | | | 6,213 | | | | | | 6,781 | | | | | | 4,509 | | | | | | 2,508 | | | | | | 1,738 | | |
净利息和股息收入
|
| | | | | | | 19,244 | | | | | | 16,749 | | | | | | 14,993 | | | | | | 13,115 | | | | | | 9,769 | | |
Provision for loan losses
|
| | | | | | | 3,275 | | | | | | 2,840 | | | | | | 2,503 | | | | | | 2,425 | | | | | | 398 | | |
扣除贷款损失准备后的净利息和股息收入
|
| | | | | | | 15,969 | | | | | | 13,909 | | | | | | 12,490 | | | | | | 10,690 | | | | | | 9,371 | | |
Noninterest income
|
| | | | | | | 3,762 | | | | | | 4,375 | | | | | | 2,871 | | | | | | 3,374 | | | | | | 2,897 | | |
Noninterest expense
|
| | | | | | | 11,928 | | | | | | 11,276 | | | | | | 9,533 | | | | | | 8,129 | | | | | | 6,594 | | |
所得税前收益
|
| | | | | | | 7,803 | | | | | | 7,008 | | | | | | 5,828 | | | | | | 5,935 | | | | | | 5,674 | | |
所得税拨备(福利)
|
| | | | | | | 2,275 | | | | | | 1,672 | | | | | | 825 | | | | | | 2,096 | | | | | | 1,957 | | |
Net earnings
|
| | | | | | $ | 5,528 | | | | | $ | 5,336 | | | | | $ | 5,003 | | | | | $ | 3,839 | | | | | $ | 3,717 | | |
| | | | | |
At or For The Year Ended December 31,
|
| |||||||||||||||||||||||||||
(千美元,每股数据除外)
|
| | | | |
2020
|
| |
2019
|
| |
2018
|
| |
2017
|
| |
2016
|
| |||||||||||||||
Per Common Share Data: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Basic earnings per share
|
| | | | | | $ | 0.57 | | | | | $ | 0.56 | | | | | $ | 0.54 | | | | | $ | 0.43 | | | | | $ | 0.41 | | |
Diluted earnings per share
|
| | | | | | $ | 0.56 | | | | | $ | 0.54 | | | | | $ | 0.52 | | | | | $ | 0.41 | | | | | $ | 0.40 | | |
Cash dividends per share
|
| | | | | | $ | 0.05 | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | |
每股有形账面价值
|
| | | | | | $ | 4.78 | | | | | $ | 4.26 | | | | | $ | 3.71 | | | | | $ | 3.28 | | | | | $ | 2.85 | | |
Other Data and Ratios: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Common shares outstanding
|
| | | | | | | 9,628,626 | | | | | | 9,609,646 | | | | | | 9,556,196 | | | | | | 8,994,470 | | | | | | 8,994,470 | | |
已发行的普通股认股权证和期权
|
| | | | | | | 606,421 | | | | | | 625,401 | | | | | | 686,883 | | | | | | 596,883 | | | | | | 629,383 | | |
Net interest margin
|
| | | | | | | 3.64% | | | | | | 4.62% | | | | | | 4.73% | | | | | | 4.93% | | | | | | 4.47% | | |
Return on average assets
|
| | | | | | | 1.03% | | | | | | 1.44% | | | | | | 1.55% | | | | | | 1.40% | | | | | | 1.64% | | |
Return on average equity
|
| | | | | | | 12.85% | | | | | | 13.98% | | | | | | 15.73% | | | | | | 14.06% | | | | | | 15.64% | | |
非利息收入与平均资产之比
|
| | | | | | | 0.70% | | | | | | 1.18% | | | | | | 0.89% | | | | | | 1.24% | | | | | | 1.27% | | |
平均资产的非利息支出
|
| | | | | | | 2.23% | | | | | | 3.05% | | | | | | 2.96% | | | | | | 2.97% | | | | | | 2.92% | | |
非权责发生制贷款占总贷款的比例
|
| | | | | | | 1.24% | | | | | | 0.68% | | | | | | 1.78% | | | | | | 0.32% | | | | | | 1.32% | | |
Loans to deposits
|
| | | | | | | 140% | | | | | | 102% | | | | | | 103% | | | | | | 97% | | | | | | 91% | | |
贷款损失拨备占贷款总额的比例
|
| | | | | | | 1.67% | | | | | | 1.58% | | | | | | 1.52% | | | | | | 1.31% | | | | | | 1.40% | | |
为非权责发生制贷款计提贷款损失准备
|
| | | | | | | 134% | | | | | | 232% | | | | | | 85% | | | | | | 415% | | | | | | 106% | | |
Efficiency ratio(1)
|
| | | | | | | 52% | | | | | | 53% | | | | | | 53% | | | | | | 49% | | | | | | 52% | | |
股东权益占总资产的比例
|
| | | | | | | 7.66% | | | | | | 10.70% | | | | | | 10.14% | | | | | | 10.07% | | | | | | 10.22% | | |
普通股一级资本充足率
|
| | | | | | | 15.01% | | | | | | 12.92% | | | | | | 12.48% | | | | | | 11.44% | | | | | | 10.32% | | |
一级资本与平均资产的比例
|
| | | | | | | 10.66% | | | | | | 10.62% | | | | | | 10.25% | | | | | | 9.89% | | | | | | 8.61% | | |
一级资本与风险加权资产的比例
|
| | | | | | | 15.01% | | | | | | 12.92% | | | | | | 12.48% | | | | | | 11.44% | | | | | | 10.32% | | |
总资本与风险加权资产之比
|
| | | | | | | 16.28% | | | | | | 14.18% | | | | | | 13.74% | | | | | | 12.69% | | | | | | 11.58% | | |
|
| | |
Hanover at
December 31, 2020 |
| |
Savoy at
December 31, 2020 |
| |
Adjustments
|
| | | | | | | |
Pro Forma Combined at
December 31, 2020 |
| ||||||||||||
现金和现金等价物
|
| | | $ | 98,388 | | | | | $ | 90,406 | | | | | $ | (34,549) | | | | | | (a) | | | | | $ | 154,245 | | |
其他金融机构的定期存款
|
| | | | — | | | | | | 1,849 | | | | | | | | | | | | | | | | | | 1,849 | | |
总投资证券
|
| | | | 17,435 | | | | | | 1,338 | | | | | | | | | | | | | | | | | | 18,773 | | |
持有用于投资的贷款
|
| | | | 728,752 | | | | | | 501,598 | | | | | | (4,659) | | | | | | (b) | | | | | | 1,225,691 | | |
贷款损失准备
|
| | | | (7,979) | | | | | | (8,355) | | | | | | 8,355 | | | | | | (c) | | | | | | (7,979) | | |
Loans, net
|
| | | | 720,773 | | | | | | 493,243 | | | | | | 3,696 | | | | | | | | | | | | 1,217,712 | | |
待售贷款
|
| | | | 4,150 | | | | | | — | | | | | | | | | | | | | | | | | | | | |
房舍和设备,净值
|
| | | | 14,325 | | | | | | 473 | | | | | | | | | | | | | | | | | | 14,798 | | |
应收应计利息
|
| | | | 6,601 | | | | | | 4,278 | | | | | | | | | | | | | | | | | | 10,879 | | |
Prepaid pension
|
| | | | 4,675 | | | | | | — | | | | | | | | | | | | | | | | | | 4,675 | | |
受限证券,按成本计算
|
| | | | 3,733 | | | | | | 768 | | | | | | | | | | | | | | | | | | 4,501 | | |
还款权
|
| | | | 144 | | | | | | 3,178 | | | | | | | | | | | | | | | | | | 3,322 | | |
拥有的其他房地产
|
| | | | — | | | | | | 1,500 | | | | | | | | | | | | | | | | | | 1,500 | | |
Goodwill
|
| | | | 1,901 | | | | | | — | | | | | | 15,702 | | | | | | (d) | | | | | | 17,603 | | |
其他无形资产
|
| | | | 20 | | | | | | — | | | | | | 743 | | | | | | (e) | | | | | | 763 | | |
Other assets
|
| | | | 4,738 | | | | | | 3,547 | | | | | | (850) | | | | | | (f) | | | | | | 7,435 | | |
Total Assets
|
| | | $ | 876,883 | | | | | $ | 600,580 | | | | | $ | (15,258) | | | | | | | | | | | $ | 1,462,205 | | |
Total deposits
|
| | | $ | 688,316 | | | | | $ | 359,453 | | | | | | | | | | | | | | | | | $ | 1,047,769 | | |
Borrowings
|
| | | | 74,514 | | | | | | 190,021 | | | | | | | | | | | | | | | | | | 264,535 | | |
次级债务
|
| | | | 24,468 | | | | | | — | | | | | | | | | | | | | | | | | | 24,468 | | |
其他负债和应计费用
|
| | | | 9,561 | | | | | | 5,076 | | | | | | 171 | | | | | | (g) | | | | | | 14,808 | | |
总负债
|
| | | $ | 796,859 | | | | | $ | 554,550 | | | | | $ | 171 | | | | | | | | | | | $ | 1,351,580 | | |
Stockholders’ Equity
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Common stock
|
| | | | 42 | | | | | | 9,628 | | | | | | (9,614) | | | | | | (h) | | | | | | 56 | | |
Surplus
|
| | | | 64,020 | | | | | | 21,840 | | | | | | 9,922 | | | | | | (i) | | | | | | 95,782 | | |
留存收益
|
| | | | 15,639 | | | | | | 14,552 | | | | | | (15,727) | | | | | | (j) | | | | | | 14,464 | | |
累计其他综合收益
|
| | | | 323 | | | | | | 10 | | | | | | (10) | | | | | | (k) | | | | | | 323 | | |
股东权益总额
|
| | | $ | 80,024 | | | | | $ | 46,030 | | | | | $ | (15,429) | | | | | | | | | | | $ | 110,625 | | |
总负债和股东权益
|
| | | $ | 876,883 | | | | | $ | 600,580 | | | | | $ | (15,258) | | | | | | | | | | | $ | 1,462,205 | | |
| | |
Hanover at
December 31, 2020 |
| |
Savoy at
December 31, 2020 |
| |
Adjustments
|
| | | | | | | |
Pro Forma Combined at
December 31, 2020 |
| ||||||||||||
Per share information | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
有形普通股权益
|
| | | $ | 78,103 | | | | | $ | 46,030 | | | | | | | | | | | | | | | | | $ | 92,259 | | |
已发行普通股
|
| | | | 4,185,534 | | | | | | 9,628,626 | | | | | | (8,274,025) | | | | | | (h) | | | | | | 5,540,135 | | |
每股普通股账面价值
|
| | | $ | 19.12 | | | | | $ | 4.78 | | | | | | | | | | | | | | | | | $ | 19.97 | | |
每股普通股有形账面价值
|
| | | $ | 18.66 | | | | | $ | 4.78 | | | | | | | | | | | | | | | | | $ | 16.65 | | |
|
与信贷相关的贷款的FMV调整
|
| | | $ | (11,193) | | |
|
利率相关贷款的FMV调整
|
| | | | 3,198 | | |
|
递延购买力平价收入的FMV调整
|
| | | | 3,336 | | |
|
对贷款的净FMV调整
|
| | | | (4,659) | | |
|
贷款损失准备冲销
|
| | | | 8,355 | | |
|
Core deposit intangible created
|
| | | | 743 | | |
|
所有FMV调整的递延税项净资产
|
| | | | (1,021) | | |
|
净FMV调整合计
|
| | | | 3,418 | | |
|
萨沃伊股东权益
|
| | | $ | 46,030 | | |
|
净FMV调整
|
| | | | 3,418 | | |
|
减去:预计交易费用
|
| | | | (1,930) | | |
|
加码:期权现金结算的税收优惠
|
| | | | 332 | | |
|
收购的萨沃伊净资产
|
| | | | 47,850 | | |
|
Total Savoy Bank purchase
price |
| | | $ | 63,552 | | |
|
减少:获得的萨沃伊银行净资产
|
| | | | (47,850) | | |
|
Goodwill created
|
| | | $ | 15,702 | | |
|
萨沃伊有形普通股权益
|
| | | $ | 46,030 | | |
|
加上:税后递延第一轮购买力平价费用收入
|
| | | | 2,502 | | |
|
萨沃伊的;萨沃伊的有形普通股权益
|
| | | $ | 48,532 | | |
|
调整每股普通股的有形账面价值
|
| | | $ | 5.04 | | |
|
Price to adj. tangible book value
每个合并协议 |
| | | | 1.25x | | |
|
每股收购价
|
| | | $ | 6.30 | | |
|
对普通股股东的对价
|
| | | $ | 60,665 | | |
|
期权持有人的对价**
|
| | | | 2,887 | | |
|
采购总价
|
| | | $ | 63,552 | | |
| | |
Hanover for the
Three Months Ended December 31, 2020 |
| |
Savoy for the
Three Months Ended December 31, 2020 |
| |
Adjustments
|
| | | | |
Pro Forma
Combined for the Three Months Ended December 31, 2020 |
| ||||||||||||
| | |
(千美元,每股除外)
|
| ||||||||||||||||||||||||
Interest income: | | | | | | | | | | | | | | | | | | | | | | | | |||||
Loans
|
| | | $ | 9,258 | | | | | $ | 6,741 | | | | | $ | 120 | | | |
(a)
|
| | | $ | 16,119 | | |
Taxable securities
|
| | | | 173 | | | | | | 6 | | | | | | | | | | | | | | | 179 | | |
Federal funds sold
|
| | | | — | | | | | | 32 | | | | | | | | | | | | | | | 32 | | |
Other
|
| | | | 66 | | | | | | — | | | | | | | | | | | | | | | 66 | | |
Total interest income
|
| | | | 9,497 | | | | | | 6,779 | | | | | | 120 | | | | | | | | | 16,396 | | |
Interest expense: | | | | | | | | | | | | | | | | | | | | | | | | |||||
Deposits
|
| | | | 1,571 | | | | | | 1,192 | | | | | | | | | | | | | | | 2,763 | | |
Borrowings
|
| | | | 599 | | | | | | 224 | | | | | | | | | | | | | | | 823 | | |
Total interest expense
|
| | | | 2,170 | | | | | | 1,416 | | | | | | — | | | | | | | | | 3,586 | | |
拨备前净利息收入
|
| | | | 7,327 | | | | | | 5,363 | | | | | | 120 | | | | | | | | | 12,810 | | |
Provision for loan losses
|
| | | | 100 | | | | | | 600 | | | | | | | | | | | | | | | 700 | | |
计提贷款损失准备后的净利息收入
|
| | | | 7,227 | | | | | | 4,763 | | | | | | 120 | | | | | | | | | 12,110 | | |
Non-interest income: | | | | | | | | | | | | | | | | | | | | | | | | |||||
贷款费和手续费
|
| | | | 66 | | | | | | 210 | | | | | | | | | | | | | | | 276 | | |
Mortgage servicing income
|
| | | | 17 | | | | | | 130 | | | | | | | | | | | | | | | 147 | | |
存款账户手续费
|
| | | | 15 | | | | | | 19 | | | | | | | | | | | | | | | 34 | | |
Gain on sale of SBA loans
|
| | | | — | | | | | | 1,367 | | | | | | | | | | | | | | | 1,367 | | |
Gain on sale OREO
|
| | | | — | | | | | | — | | | | | | | | | | | | | | | — | | |
出售持有待售贷款的收益
|
| | | | 181 | | | | | | — | | | | | | | | | | | | | | | 181 | | |
Other income
|
| | | | 7 | | | | | | 35 | | | | | | | | | | | | | | | 42 | | |
Total non-interest income
|
| | | | 286 | | | | | | 1,761 | | | | | | — | | | | | | | | | 2,047 | | |
Non-interest expense: | | | | | | | | | | | | | | | | | | | | | | | | |||||
工资和员工福利
|
| | | | 3,176 | | | | | | 1,978 | | | | | | | | | | | | | | | 5,154 | | |
Occupancy and equipment
|
| | | | 1,171 | | | | | | 217 | | | | | | | | | | | | | | | 1,388 | | |
Data processing
|
| | | | 245 | | | | | | 191 | | | | | | | | | | | | | | | 436 | | |
Advertising and promotion
|
| | | | 48 | | | | | | — | | | | | | | | | | | | | | | 48 | | |
Professional fees
|
| | | | 412 | | | | | | 437 | | | | | | | | | | | | | | | 849 | | |
Acquisition costs
|
| | | | 145 | | | | | | — | | | | | | | | | | | | | | | 145 | | |
OREO expense
|
| | | | — | | | | | | 38 | | | | | | | | | | | | | | | 38 | | |
Other
|
| | | | 393 | | | | | | 359 | | | | | | 36 | | | |
(b)
|
| | | | 788 | | |
Total non-interest expense
|
| | | | 5,590 | | | | | | 3,220 | | | | | | 36 | | | | | | | | | 8,846 | | |
所得税前收入支出
|
| | | | 1,923 | | | | | | 3,304 | | | | | | 84 | | | | | | | | | 5,311 | | |
Income tax expense
|
| | | | 404 | | | | | | 1,026 | | | | | | 19 | | | |
(c)
|
| | | | 1,449 | | |
Net Income
|
| | | $ | 1,519 | | | | | $ | 2,278 | | | | | $ | 64 | | | | | | | |
$
|
3,861
|
| |
Per share information | | | | | | | | | | | | | | | | | | | | | | | | |||||
Average basic shares
|
| | | | 4,180,936 | | | | | | 9,628,626 | | | | | | (8,274,025) | | | |
(d)
|
| | | | 5,535,537 | | |
平均完全稀释后的股份
|
| | | | 4,245,569 | | | | | | 9,936,783 | | | | | | (8,517,721) | | | |
(d)
|
| | | | 5,664,631 | | |
Basic earnings per share
|
| | | $ | 0.36 | | | | | $ | 0.24 | | | | | | | | | | | | | | $ | 0.70 | | |
Diluted earnings per share
|
| | | $ | 0.36 | | | | | $ | 0.23 | | | | | | | | | | | | | | $ | 0.68 | | |
| | |
Hanover for the
Twelve Months Ended September 30, 2020 |
| |
Savoy for the
Twelve Months Ended September 30, 2020 |
| |
Adjustments
|
| | | | |
Pro Forma
Combined for the Twelve Months Ended September 30, 2020 |
| ||||||||||||
| | |
(千美元,每股除外)
|
| ||||||||||||||||||||||||
Interest income: | | | | | | | | | | | | | | | | | | | | | | | | |||||
Loans
|
| | | $ | 38,641 | | | | | $ | 23,757 | | | | | $ | 512 | | | |
(a)
|
| | | $ | 62,910 | | |
Taxable securities
|
| | | | 523 | | | | | | 46 | | | | | | | | | | | | | | | 569 | | |
Federal funds sold
|
| | | | 107 | | | | | | 387 | | | | | | | | | | | | | | | 494 | | |
Other
|
| | | | 862 | | | | | | — | | | | | | | | | | | | | | | 862 | | |
Total interest income
|
| | | | 40,133 | | | | | | 24,190 | | | | | | 512 | | | | | | | | | 64,835 | | |
Interest expense: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Deposits
|
| | | | 10,625 | | | | | | 5,967 | | | | | | | | | | | | | | | 16,592 | | |
Borrowings
|
| | | | 2,386 | | | | | | 580 | | | | | | | | | | | | | | | 2,966 | | |
Total interest expense
|
| | | | 13,011 | | | | | | 6,547 | | | | | | — | | | | | | | | | 19,558 | | |
拨备前净利息收入
|
| | | | 27,122 | | | | | | 17,643 | | | | | | 512 | | | | | | | | | 45,277 | | |
Provision for loan losses
|
| | | | 1,250 | | | | | | 3,050 | | | | | | | | | | | | | | | 4,300 | | |
计提贷款损失准备后的净利息收入
|
| | | | 25,872 | | | | | | 14,593 | | | | | | 512 | | | | | | | | | 40,977 | | |
Non-interest income: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
贷款费和手续费
|
| | | | 301 | | | | | | 942 | | | | | | | | | | | | | | | 1,243 | | |
Mortgage servicing income
|
| | | | 84 | | | | | | 678 | | | | | | | | | | | | | | | 762 | | |
存款账户手续费
|
| | | | 62 | | | | | | 124 | | | | | | | | | | | | | | | 186 | | |
Gain on sale of SBA loans
|
| | | | — | | | | | | 2,267 | | | | | | | | | | | | | | | 2,267 | | |
Gain on sale OREO
|
| | | | — | | | | | | 112 | | | | | | | | | | | | | | | 112 | | |
出售持有待售贷款的收益
|
| | | | 917 | | | | | | — | | | | | | | | | | | | | | | 917 | | |
Other income
|
| | | | — | | | | | | 298 | | | | | | | | | | | | | | | 298 | | |
Total non-interest income
|
| | | | 1,364 | | | | | | 4,421 | | | | | | — | | | | | | | | | 5,785 | | |
Non-interest expense: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
工资和员工福利
|
| | | | 11,182 | | | | | | 7,575 | | | | | | | | | | | | | | | 18,757 | | |
Occupancy and equipment
|
| | | | 4,462 | | | | | | 972 | | | | | | | | | | | | | | | 5,434 | | |
Data processing
|
| | | | 911 | | | | | | 538 | | | | | | | | | | | | | | | 1,449 | | |
Advertising and promotion
|
| | | | 296 | | | | | | 247 | | | | | | | | | | | | | | | 543 | | |
Professional fees
|
| | | | 2,070 | | | | | | 1,288 | | | | | | | | | | | | | | | 3,358 | | |
Acquisition costs
|
| | | | 450 | | | | | | — | | | | | | | | | | | | | | | 450 | | |
OREO expense
|
| | | | — | | | | | | 564 | | | | | | | | | | | | | | | 564 | | |
Other
|
| | | | 1,651 | | | | | | 1,176 | | | | | | 94 | | | |
(b)
|
| | | | 2,921 | | |
Total non-interest expense
|
| | | | 21,022 | | | | | | 12,360 | | | | | | 94 | | | | | | | | | 33,476 | | |
所得税前收入支出
|
| | | | 6,214 | | | | | | 6,654 | | | | | | 418 | | | | | | | | | 13,286 | | |
Income tax expense
|
| | | | 1,240 | | | | | | 1,752 | | | | | | 96 | | | |
(c)
|
| | | | 3,088 | | |
Net Income
|
| | | $ | 4,974 | | | | | $ | 4,902 | | | | | $ | 322 | | | | | | | | $ | 10,198 | | |
Per share information | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Average basic shares
|
| | | | 4,162,280 | | | | | | 9,622,351 | | | | | | (8,273,114) | | | |
(d)
|
| | | | 5,511,517 | | |
平均完全稀释后的股份
|
| | | | 4,226,967 | | | | | | 9,923,426 | | | | | | (8,510,549) | | | |
(d)
|
| | | | 5,639,844 | | |
Basic earnings per share
|
| | | $ | 1.20 | | | | | $ | 0.51 | | | | | | | | | | | | | | $ | 1.85 | | |
Diluted earnings per share
|
| | | $ | 1.18 | | | | | $ | 0.49 | | | | | | | | | | | | | | $ | 1.81 | | |
| | |
Three Months
Ended December 31, 2020(1) |
| |
Fiscal Year
or 12 Months Ended September 30, 2020(2) |
| ||||||
HANOVER-HISTORICAL | | | | | | | | | | | | | |
Earnings per share-diluted
|
| | | $ | 0.36 | | | | | $ | 1.18 | | |
宣布的每股现金股息
|
| | | $ | 0.00 | | | | | $ | 0.00 | | |
Book value per share
|
| | | $ | 19.12 | | | | | $ | 18.69 | | |
SAVOY-HISTORICAL | | | | | | | | | | | | | |
Earnings per share-diluted
|
| | | $ | 0.23 | | | | | $ | 0.49 | | |
宣布的每股现金股息
|
| | | $ | 0.00 | | | | | $ | 0.05 | | |
Book value per share
|
| | | $ | 4.78 | | | | | $ | 4.54 | | |
汉诺威和萨沃伊-Proforma合并 | | | | | | | | | | | | | |
Earnings per share-diluted
|
| | | $ | 0.68 | | | | | $ | 1.81 | | |
宣布的每股现金股息
|
| | | $ | 0.00 | | | | | $ | 0.00 | | |
Book value per share
|
| | | $ | 19.97 | | | | | $ | 19.51 | | |
萨沃伊普通股每股形式合并等值(3)
|
| | | | | | | | | | | | |
Earnings per share-diluted
|
| | | $ | 0.19 | | | | | $ | 0.51 | | |
宣布的每股现金股息
|
| | | $ | 0.00 | | | | | $ | 0.00 | | |
Book value per share
|
| | | $ | 5.62 | | | | | $ | 5.47 | | |
|
成交价/LTM净收入:
|
| | | | 10.9x | | |
|
每股交易价格/有形账面价值:
|
| | | | 119.0% | | |
|
有形账面溢价/核心押金(1):
|
| | | | 8.3% | | |
|
成交价/总资产(不含购买力平价):
|
| | | | 13.3% | | |
| 1st Capital Bank | | | 美洲河银行股份 | |
| 美洲里维埃拉银行 | | | 奥本国家银行 | |
| 詹姆斯银行金融集团股份有限公司 | | | Bank7 Corp. | |
| Centrate Financial Corp. | | | CoastalSouth BancShares,Inc. | |
| CommerceWest Bank | | | 社区西银行股 | |
| 安克莱尔金融公司 | | | 哈雷斯维尔金融公司 | |
| 中央州立银行公司 | | | 富达南方公司 | |
| HMN Financial Inc. | | | 朱尼阿塔山谷金融公司 | |
| Northway Financial Inc. | | | 南大西洋银行股份有限公司 | |
| Summit Bank | | | United Bancorp, Inc. | |
| 弗吉尼亚国家银行股份有限公司 | | | | |
| | |
Hanover
|
| |
Hanover
Peer Group Median |
| |
Hanover
Peer Group Mean |
| |
Hanover
Peer Group High |
| |
Hanover
Peer Group Low |
| |||||||||||||||
Market Capitalization ($M)
|
| | | | 北美 | | | | | $ | 65.2 | | | | | $ | 71.7 | | | | | $ | 151.1 | | | | | $ | 46.1 | | |
价格/有形账面价值
|
| | | | 北美 | | | | | | 84.5% | | | | | | 92.4% | | | | | | 143.5% | | | | | | 70.5% | | |
Price/EPS
|
| | | | 北美 | | | | | | 10.7x | | | | | | 11.3x | | | | | | 18.0x | | | | | | 8.2x | | |
Price/Assets
|
| | | | 北美 | | | | | | 7.0% | | | | | | 8.1% | | | | | | 16.0% | | | | | | 5.6% | | |
Core Deposit Premium
|
| | | | 北美 | | | | | | −1.53% | | | | | | −0.81% | | | | | | 6.34% | | | | | | −3.75% | | |
最近12个月退货
|
| | | | 北美 | | | | | | −22.9% | | | | | | −20.5% | | | | | | 11.9% | | | | | | −40.8% | | |
Total Assets ($M)
|
| | | $ | 838.0 | | | | | $ | 902.7 | | | | | $ | 892.5 | | | | | $ | 1,065.0 | | | | | $ | 701.3 | | |
Total Loans ($M)
|
| | | $ | 720.3 | | | | | $ | 635.9 | | | | | $ | 654.6 | | | | | $ | 922.6 | | | | | $ | 420.6 | | |
有形普通股权益/有形资产
|
| | | | 8.9% | | | | | | 8.9% | | | | | | 8.8% | | | | | | 11.3% | | | | | | 6.5% | | |
NPAs/Assets
|
| | | | 0.43% | | | | | | 0.36% | | | | | | 0.39% | | | | | | 0.91% | | | | | | 0.00% | | |
Last Twelve Months ROAA
|
| | | | 0.69% | | | | | | 0.87% | | | | | | 0.84% | | | | | | 1.00% | | | | | | 0.56% | | |
Last Twelve Months ROAE
|
| | | | 7.97% | | | | | | 7.99% | | | | | | 8.26% | | | | | | 11.35% | | | | | | 4.88% | | |
| Embassy Bancorp Inc. | | | Esquire Financial Holdings Inc. | |
| FNCB Bancorp Inc. | | | 哈雷斯维尔金融公司 | |
| 诺伍德金融公司 | | | QNB Corp. | |
| Salisbury Bancorp Inc. | | | | |
| | |
Hanover
|
| |
Hanover
Peer Group Median |
| |
Hanover
Peer Group Mean |
| |
Hanover
Peer Group High |
| |
Hanover
Peer Group Low |
| |||||||||||||||
Market Capitalization ($M)
|
| | | | 北美 | | | | | $ | 102.5 | | | | | $ | 122.0 | | | | | $ | 234.2 | | | | | $ | 80.6 | | |
价格/有形账面价值
|
| | | | 北美 | | | | | | 88.2% | | | | | | 96.5% | | | | | | 127.4% | | | | | | 78.5% | | |
Price/EPS
|
| | | | 北美 | | | | | | 10.2x | | | | | | 10.6x | | | | | | 15.0x | | | | | | 7.7x | | |
Price/Assets
|
| | | | 北美 | | | | | | 8.6% | | | | | | 9.8% | | | | | | 15.1% | | | | | | 6.5% | | |
Core Deposit Premium
|
| | | | 北美 | | | | | | 0.1% | | | | | | 0.2% | | | | | | 5.8% | | | | | | −2.5% | | |
最近12个月退货
|
| | | | 北美 | | | | | | −13.8% | | | | | | −14.0% | | | | | | 0.0% | | | | | | −29.2% | | |
Total Assets ($M)
|
| | | $ | 838.0 | | | | | $ | 1,354.5 | | | | | $ | 1,217.5 | | | | | $ | 1,418.2.0 | | | | | $ | 851.8 | | |
Total Loans ($M)
|
| | | $ | 720.3 | | | | | $ | 949.2 | | | | | $ | 855.0 | | | | | $ | 1,103.5 | | | | | $ | 593.7 | | |
有形普通股权益/有形资产
|
| | | | 8.9% | | | | | | 9.2% | | | | | | 9.7% | | | | | | 13.9% | | | | | | 7.7% | | |
NPAs/Assets
|
| | | | 0.43% | | | | | | 0.91% | | | | | | 0.69% | | | | | | 1.22% | | | | | | 0.16% | | |
Last Twelve Months ROAA
|
| | | | 0.69% | | | | | | 0.96% | | | | | | 1.02% | | | | | | 1.61% | | | | | | 0.80% | | |
Last Twelve Months ROAE
|
| | | | 7.97% | | | | | | 9.43% | | | | | | 9.68% | | | | | | 11.61% | | | | | | 8.26% | | |
Buyer
|
| |
Target
|
|
SB Financial Group, Inc. | | | Edon Bancorp Inc. | |
CSBH LLC | | | New Horizon Bank NA | |
FL海岸银行公司 | | | 第四街银行公司 | |
Beacon Bancorp | | | 自由国民银行 | |
剑桥金融集团有限公司 | | | Melrose Bancorp Inc. | |
Buyer
|
| |
Target
|
|
美国银行股份有限公司 | | | 密西西比河畔 | |
Bank First Corporation | | | Tomah Bancshares, Inc. | |
FL海岸银行公司 | | | 棕榈滩第一岸 | |
CCB Financial Corp. | | | Prairie Star BancShares Inc. | |
公民联合会Bancorp | | | Owenton Bancorp Inc. | |
基韦诺金融公司 | | | 北极星金融控股有限公司 | |
Farmers National Banc Corp. | | | 枫叶金融公司 | |
社区第一银行股(MHC) | | | ABB金融集团股份有限公司 | |
哈特兰金融美国公司 | | | Rockford B&TC | |
Eagle Bancorp Montana Inc. | | | 狼点西部控股公司 | |
Investar Holding Corp. | | | Bank of York | |
Premier Financial Bancorp Inc. | | | 杰克逊第一国民银行 | |
Nicolet BankShares Inc. | | | Choice Bancorp Inc. | |
沃特福德银行公司 | | | 克拉克斯顿金融公司 | |
西佛罗里达银行公司 | | | 旗舰社区银行 | |
圣克鲁斯县银行 | | | Lighthouse Bank | |
招商金融集团股份有限公司 | | | 诺斯菲尔德第一国民银行 | |
RMB Bancshares Inc. | | | 开罗/Moberly BancShares,Inc. | |
WinTrust Financial Corp. | | | Rush-Oak Corp. | |
Lewis & Clark Bank | | | Clatsop社区银行 | |
公民社区银行 | | | F. & M. Bancorp of Tomah Inc. | |
| | |
Savoy Bank/
汉诺威 |
| |
National
Transactions Median |
| |
National
Transactions Mean |
| |
National
Transactions High |
| |
National
Transactions Low |
| |||||||||||||||
Deal Value ($M)
|
| | | $ | 52.6 | | | | | $ | 28.9 | | | | | $ | 32.4 | | | | | $ | 72.1 | | | | | $ | 10.3 | | |
每笔交易价格/有形账面价值
share: |
| | | | 119.0% | | | | | | 152.0% | | | | | | 152.0% | | | | | | 240.0% | | | | | | 86.0% | | |
成交价/每股收益
|
| | | | 10.9x | | | | | | 15.5x | | | | | | 15.4x | | | | | | 21.6x | | | | | | 8.9x | | |
成交价/总资产
|
| | | | 13.3% | | | | | | 16.4% | | | | | | 16.6% | | | | | | 25.1% | | | | | | 9.9% | | |
Core deposit premium
|
| | | | 8.3% | | | | | | 9.4% | | | | | | 8.8% | | | | | | 19.5% | | | | | | −3.6% | | |
Target Total Assets ($M)
|
| | | $ | 597 | | | | | $ | 190 | | | | | $ | 201 | | | | | $ | 523 | | | | | $ | 52 | | |
Target NPAs/Assets
|
| | | | 0.80% | | | | | | 0.52% | | | | | | 0.77% | | | | | | 4.86% | | | | | | 0.00% | | |
Target TCE/TA
|
| | | | 7.08% | | | | | | 11.38% | | | | | | 12.05% | | | | | | 19.10% | | | | | | 8.26% | | |
Target LTM ROAA
|
| | | | 1.14% | | | | | | 0.99% | | | | | | 1.04% | | | | | | 3.19% | | | | | | 0.11% | | |
Buyer
|
| |
Target
|
|
诺伍德金融公司 | | | 纽约州北部Bancorp Inc. | |
Northfield Bancorp Inc. | | | VSB Bancorp Inc. | |
Evans Bancorp Inc. | | | FSB Bancorp Inc. | |
CNB Financial Corp. | | | Bank of Akron | |
科尔尼金融公司 | | | MSB Financial Corp. | |
Centreville Bank | | | PB Bancorp Inc. | |
社区银行系统公司 | | | 斯图本信托公司 | |
ConnectOne Bancorp Inc. | | | 新泽西银行股份有限公司 | |
Ocean First Financial Corp. | | | 国家银行控股有限公司 | |
投资者Bancorp Inc. | | | Gold Coast Bancorp Inc. | |
第一宪法银行 | | | Shore Community Bank. | |
哥伦比亚金融公司(MHC) | | | 管理金融公司 | |
Liberty Bank | | | STB Bancorp Inc. | |
First Bank | | | Grand Bank NA | |
社区银行系统公司 | | | Kinderhook银行公司 | |
| | |
Savoy Bank/
汉诺威 |
| |
Regional
Transactions Median |
| |
Regional
Transactions Mean |
| |
Regional
Transactions High |
| |
Regional
Transactions Low |
| |||||||||||||||
Deal Value ($M)
|
| | | $ | 52.6 | | | | | $ | 80.0 | | | | | $ | 81.4 | | | | | $ | 137.2 | | | | | $ | 22.1 | | |
每笔交易价格/有形账面价值
share: |
| | | | 119.0% | | | | | | 162.0% | | | | | | 154.0% | | | | | | 202.0% | | | | | | 102.0% | | |
成交价/每股收益
|
| | | | 10.9x | | | | | | 17.4x | | | | | | 18.7x | | | | | | 27.8x | | | | | | 9.8x | | |
成交价/总资产
|
| | | | 13.3% | | | | | | 14.9% | | | | | | 15.4% | | | | | | 21.5% | | | | | | 10.7% | | |
Core deposit premium
|
| | | | 8.3% | | | | | | 9.0% | | | | | | 8.2% | | | | | | 19.0% | | | | | | 0.3% | | |
Target Total Assets ($M)
|
| | | $ | 597 | | | | | $ | 538 | | | | | $ | 537 | | | | | $ | 961 | | | | | $ | 197 | | |
Target NPAs/Assets
|
| | | | 0.80% | | | | | | 1.00% | | | | | | 1.15% | | | | | | 4.15% | | | | | | 0.00% | | |
Target TCE/TA
|
| | | | 7.08% | | | | | | 10.01% | | | | | | 9.85% | | | | | | 14.72% | | | | | | 6.23% | | |
Target LTM ROAA
|
| | | | 1.14% | | | | | | 0.83% | | | | | | 0.89% | | | | | | 1.51% | | | | | | 0.00% | | |
Buyer
|
| |
Target
|
|
企业金融服务 | | | 沿海商业银行 | |
蓝岭银行股份有限公司 | | | 弗吉尼亚海湾银行公司 | |
Bridge Bancorp Inc. | | | DIME Community BancShares Inc. | |
BV Financial Inc. (MHC) | | | Delmarva BancShares Inc. | |
| | |
Savoy Bank/
汉诺威 |
| |
COVID Era
Transactions Median |
| |
COVID Era
Transactions Mean |
| |
COVID Era
Transactions High |
| |
COVID Era
Transactions Low |
| |||||||||||||||
Deal Value ($M)
|
| | | $ | 52.6 | | | | | $ | 126.0 | | | | | $ | 201.2 | | | | | $ | 498.7 | | | | | $ | 54.0 | | |
每笔交易价格/有形账面价值
share: |
| | | | 119.0% | | | | | | 104.0% | | | | | | 111.0% | | | | | | 153.0% | | | | | | 81.0% | | |
成交价/每股收益
|
| | | | 10.9x | | | | | | 15.1x | | | | | | 13.3x | | | | | | 17.2x | | | | | | 7.6x | | |
成交价/总资产
|
| | | | 13.3% | | | | | | 9.9% | | | | | | 10.5% | | | | | | 14.3% | | | | | | 7.9% | | |
Core deposit premium
|
| | | | 8.3% | | | | | | 0.8% | | | | | | 1.0% | | | | | | 5.4% | | | | | | −2.8% | | |
Target Total Assets ($M)
|
| | | $ | 597 | | | | | $ | 1,263 | | | | | $ | 2,313 | | | | | $ | 6,348 | | | | | $ | 378 | | |
Target NPAs/Assets
|
| | | | 0.80% | | | | | | 0.83% | | | | | | 0.83% | | | | | | 1.38% | | | | | | 0.29% | | |
Target TCE/TA
|
| | | | 7.08% | | | | | | 8.90% | | | | | | 9.05% | | | | | | 10.34% | | | | | | 8.04% | | |
Target LTM ROAA
|
| | | | 1.14% | | | | | | 0.68% | | | | | | 0.57% | | | | | | 1.31% | | | | | | −0.37% | | |
Discount Rate
|
| |
13.0x
|
| |
14.0x
|
| |
15.0x
|
| |
16.0x
|
| |
17.0x
|
| |||||||||||||||
12.0%
|
| | | $ | 8.92 | | | | | $ | 9.55 | | | | | $ | 10.19 | | | | | $ | 10.83 | | | | | $ | 11.46 | | |
13.5%
|
| | | $ | 8.47 | | | | | $ | 9.08 | | | | | $ | 9.68 | | | | | $ | 10.28 | | | | | $ | 10.89 | | |
15.0%
|
| | | $ | 8.06 | | | | | $ | 8.63 | | | | | $ | 9.20 | | | | | $ | 9.77 | | | | | $ | 10.35 | | |
16.5%
|
| | | $ | 7.67 | | | | | $ | 8.21 | | | | | $ | 8.75 | | | | | $ | 9.30 | | | | | $ | 9.84 | | |
18.0%
|
| | | $ | 7.30 | | | | | $ | 7.82 | | | | | $ | 8.34 | | | | | $ | 8.85 | | | | | $ | 9.37 | | |
Discount Rate
|
| |
85%
|
| |
95%
|
| |
105%
|
| |
115%
|
| |
125%
|
| |||||||||||||||
12.0%
|
| | | $ | 4.58 | | | | | $ | 5.05 | | | | | $ | 5.51 | | | | | $ | 5.97 | | | | | $ | 6.44 | | |
13.5%
|
| | | $ | 4.37 | | | | | $ | 4.80 | | | | | $ | 5.24 | | | | | $ | 5.68 | | | | | $ | 6.12 | | |
15.0%
|
| | | $ | 4.16 | | | | | $ | 4.58 | | | | | $ | 4.99 | | | | | $ | 5.41 | | | | | $ | 5.86 | | |
16.5%
|
| | | $ | 3.97 | | | | | $ | 4.36 | | | | | $ | 4.76 | | | | | $ | 5.16 | | | | | $ | 5.55 | | |
18.0%
|
| | | $ | 3.79 | | | | | $ | 4.16 | | | | | $ | 4.54 | | | | | $ | 4.92 | | | | | $ | 5.29 | | |
|
Number of Savoy
Options Outstanding |
| |
Exercise Price
of Savoy Options |
| |
Cash payment(1)
|
| |
Number of
Hanover Options Issued(1) |
| |
Exercise Price of
Hanover Options(1) |
| ||||||||||||
|
213,572
|
| | | $ | 1.25 | | | | | $ | 559,558.64 | | | | | | 29,900 | | | | | $ | 4.46 | | |
|
300,000
|
| | | $ | 1.75 | | | | | $ | 711,000.00 | | | | | | 42,000 | | | | | $ | 6.25 | | |
| | |
截至12月31日的三个月
|
| |
Years Ended September 30,
|
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| | |
2020
|
| |
2019
|
| |
2020
|
| |
2019
|
| |
2018
|
| |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| | |
Average
Balance |
| |
Income/
费用 |
| |
Yield/
费率 |
| |
Average
Balance |
| |
Income/
费用 |
| |
Yield/
费率 |
| |
Average
Balance |
| |
Income/
费用 |
| |
Yield/
费率 |
| |
Average
Balance |
| |
Income/
费用 |
| |
Yield/
费率 |
| |
Average
Balance |
| |
Income/
费用 |
| |
Yield/
费率 |
| |||||||||||||||||||||||||||||||||||||||||||||
| | |
(dollars in thousands)
|
| |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
ASSETS | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
生息资产: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Loans(1)(2)(3)
|
| | | $ | 724,751 | | | | | $ | 9,258 | | | | | | 5.07% | | | | | $ | 732,567 | | | | | $ | 9,946 | | | | | | 5.40% | | | | | $ | 717,834 | | | | | $ | 38,641 | | | | | | 5.38% | | | | | $ | 616,353 | | | | | $ | 32,660 | | | | | | 5.30% | | | | | $ | 504,145 | | | | | $ | 25,466 | | | | | | 5.05% | | |
Investment securities(1)
|
| | | | 16,520 | | | | | | 173 | | | | | | 4.15% | | | | | | 12,761 | | | | | | 110 | | | | | | 3.43% | | | | | | 13,907 | | | | | | 523 | | | | | | 3.76% | | | | | | 12,851 | | | | | | 427 | | | | | | 3.32% | | | | | | 13,627 | | | | | | 451 | | | | | | 3.31% | | |
Interest-earning cash
|
| | | | 78,958 | | | | | | 21 | | | | | | 0.11% | | | | | | 69,108 | | | | | | 291 | | | | | | 1.68% | | | | | | 87,828 | | | | | | 692 | | | | | | 0.79% | | | | | | 45,598 | | | | | | 1,044 | | | | | | 2.29% | | | | | | 29,134 | | | | | | 480 | | | | | | 1.65% | | |
FHLB股票和其他投资
|
| | | | 3,922 | | | | | | 45 | | | | | | 4.55% | | | | | | 5,448 | | | | | | 89 | | | | | | 6.50% | | | | | | 4,678 | | | | | | 277 | | | | | | 5.92% | | | | | | 5,611 | | | | | | 366 | | | | | | 6.52% | | | | | | 4,916 | | | | | | 327 | | | | | | 6.65% | | |
生息资产总额
|
| | | | 824,151 | | | | | | 9,497 | | | | | | 4.57% | | | | | | 819,884 | | | | | | 10,436 | | | | | | 5.06% | | | | | | 824,247 | | | | | | 40,133 | | | | | | 4.87% | | | | | | 680,413 | | | | | | 34,497 | | | | | | 5.07% | | | | | | 551,822 | | | | | | 26,724 | | | | | | 4.84% | | |
无息资产:
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Cash and due from banks
|
| | | | 4,709 | | | | | | | | | | | | | | | | | | 6,380 | | | | | | | | | | | | | | | | | | 5,588 | | | | | | | | | | | | | | | | | | 4,320 | | | | | | | | | | | | | | | | | | 2,834 | | | | | | | | | | | | | | |
Other assets
|
| | | | 24,300 | | | | | | | | | | | | | | | | | | 21,325 | | | | | | | | | | | | | | | | | | 22,219 | | | | | | | | | | | | | | | | | | 13,133 | | | | | | | | | | | | | | | | | | 12,564 | | | | | | | | | | | | | | |
Total assets
|
| | | $ | 853,160 | | | | | | | | | | | | | | | | | $ | 847,589 | | | | | | | | | | | | | | | | | $ | 852,054 | | | | | | | | | | | | | | | | | $ | 697,866 | | | | | | | | | | | | | | | | | $ | 567,220 | | | | | | | | | | | | | | |
负债和股东权益 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
有息负债: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
储蓄、现在和货币市场存款
|
| | | $ | 186,894 | | | | | $ | 117 | | | | | | 0.25% | | | | | $ | 186,524 | | | | | $ | 636 | | | | | | 1.36% | | | | | $ | 179,106 | | | | | $ | 1,445 | | | | | | 0.81% | | | | | $ | 160,073 | | | | | $ | 2,510 | | | | | | 1.57% | | | | | $ | 110,180 | | | | | $ | 1,265 | | | | | | 1.15% | | |
Time deposits
|
| | | | 391,442 | | | | | | 1,454 | | | | | | 1.47% | | | | | | 393,823 | | | | | | 2,370 | | | | | | 2.39% | | | | | | 418,384 | | | | | | 9,180 | | | | | | 2.19% | | | | | | 302,124 | | | | | | 6,725 | | | | | | 2.23% | | | | | | 273,186 | | | | | | 4,811 | | | | | | 1.76% | | |
储蓄和定期存款总额
|
| | | | 578,336 | | | | | | 1,571 | | | | | | 1.08% | | | | | | 580,347 | | | | | | 3,006 | | | | | | 2.06% | | | | | | 597,490 | | | | | | 10,625 | | | | | | 1.78% | | | | | | 462,197 | | | | | | 9,235 | | | | | | 2.00% | | | | | | 383,366 | | | | | | 6,076 | | | | | | 1.58% | | |
购买的联邦基金、FHLB和FRB借款
|
| | | | 78,937 | | | | | | 221 | | | | | | 1.11% | | | | | | 98,304 | | | | | | 468 | | | | | | 1.89% | | | | | | 84,568 | | | | | | 1,491 | | | | | | 1.76% | | | | | | 105,397 | | | | | | 1,949 | | | | | | 1.85% | | | | | | 93,614 | | | | | | 1,544 | | | | | | 1.65% | | |
Note payable
|
| | | | 1,303 | | | | | | 73 | | | | | | 22.23%(6) | | | | | | 14,981 | | | | | | 225 | | | | | | 5.97% | | | | | | 14,982 | | | | | | 895 | | | | | | 5.97% | | | | | | 14,979 | | | | | | 892 | | | | | | 5.96% | | | | | | 13,377 | | | | | | 883 | | | | | | 6.60% | | |
次级债券
|
| | | | 22,899 | | | | | | 305 | | | | | | 5.28% | | | | | | — | | | | | | — | | | | | | 0.00% | | | | | | — | | | | | | — | | | | | | 0.00% | | | | | | — | | | | | | — | | | | | | 0.00% | | | | | | — | | | | | | — | | | | | | 0.00% | | |
有息负债总额
|
| | | | 681,475 | | | | | | 2,170 | | | | | | 1.26% | | | | | | 693,632 | | | | | | 3,699 | | | | | | 2.12% | | | | | | 697,040 | | | | | | 13,011 | | | | | | 1.87% | | | | | | 582,573 | | | | | | 12,076 | | | | | | 2.07% | | | | | | 490,357 | | | | | | 8,503 | | | | | | 1.73% | | |
无息活期存款
|
| | | | 83,701 | | | | | | | | | | | | | | | | | | 72,503 | | | | | | | | | | | | | | | | | | 72,007 | | | | | | | | | | | | | | | | | | 46,132 | | | | | | | | | | | | | | | | | | 25,785 | | | | | | | | | | | | | | |
Other liabilities
|
| | | | 8,921 | | | | | | | | | | | | | | | | | | 8,525 | | | | | | | | | | | | | | | | | | 8,031 | | | | | | | | | | | | | | | | | | 5,573 | | | | | | | | | | | | | | | | | | 4,533 | | | | | | | | | | | | | | |
Total liabilities
|
| | | | 774,097 | | | | | | | | | | | | | | | | | | 774,660 | | | | | | | | | | | | | | | | | | 777,078 | | | | | | | | | | | | | | | | | | 634,278 | | | | | | | | | | | | | | | | | | 520,675 | | | | | | | | | | | | | | |
Stockholders’ equity
|
| | | | 79,063 | | | | | | | | | | | | | | | | | | 72,929 | | | | | | | | | | | | | | | | | | 74,976 | | | | | | | | | | | | | | | | | | 63,588 | | | | | | | | | | | | | | | | | | 46,545 | | | | | | | | | | | | | | |
总负债和股东权益
|
| | | $ | 853,160 | | | | | | | | | | | | | | | | | $ | 847,589 | | | | | | | | | | | | | | | | | $ | 852,054 | | | | | | | | | | | | | | | | | $ | 697,866 | | | | | | | | | | | | | | | | | $ | 567,220 | | | | | | | | | | | | | | |
Net interest rate spread(4)
|
| | | | | | | | | | | | | | | | 3.31% | | | | | | | | | | | | | | | | | | 2.94% | | | | | | | | | | | | | | | | | | 3.00% | | | | | | | | | | | | | | | | | | 3.00% | | | | | | | | | | | | | | | | | | 3.11% | | |
净利息收入/利润率(5)
|
| | | | | | | | | $ | 7,327 | | | | | | 3.53% | | | | | | | | | | | $ | 6,737 | | | | | | 3.27% | | | | | | | | | | | $ | 27,122 | | | | | | 3.29% | | | | | | | | | | | $ | 22,421 | | | | | | 3.30% | | | | | | | | | | | $ | 18,221 | | | | | | 3.30% | | |
减税:税额调整
|
| | | | | | | | | $ | — | | | | | | | | | | | | | | | | | $ | — | | | | | | | | | | | | | | | | | $ | — | | | | | | | | | | | | | | | | | $ | — | | | | | | | | | | | | | | | | | $ | — | | | | | | | | |
Net Interest Income
|
| | | | | | | | | $ | 7,327 | | | | | | | | | | | | | | | | | $ | 6,737 | | | | | | | | | | | | | | | | | $ | 27,122 | | | | | | | | | | | | | | | | | $ | 22,421 | | | | | | | | | | | | | | | | | $ | 18,221 | | | | | | | | |
| | |
截至12月31日的三个月
|
| |
Years Ended September 30,
|
| ||||||||||||||||||||||||||||||||||||||||||||||||
| | |
2020/2019
Increase (Decrease) Due to Change in: |
| |
2020/2019
Increase (Decrease) Due to Change in: |
| |
2019/2018
Increase (Decrease) Due to Change in: |
| |||||||||||||||||||||||||||||||||||||||||||||
| | |
Average
Volume |
| |
Average
Rate |
| |
Net
Change |
| |
Average
Volume |
| |
Average
Rate |
| |
Net
Change |
| |
Average
Volume |
| |
Average
Rate |
| |
Net
Change |
| |||||||||||||||||||||||||||
| | |
(dollars in thousands)
|
| |||||||||||||||||||||||||||||||||||||||||||||||||||
Interest income: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Loans
|
| | | $ | (107) | | | | | $ | (581) | | | | | $ | (688) | | | | | $ | 5,455 | | | | | $ | 526 | | | | | $ | 5,981 | | | | | $ | 5,894 | | | | | $ | 1,300 | | | | | $ | 7,194 | | |
投资证券
|
| | | | 36 | | | | | | 27 | | | | | | 63 | | | | | | 37 | | | | | | 59 | | | | | | 96 | | | | | | (26) | | | | | | 2 | | | | | | (24) | | |
Interest-earning cash
|
| | | | 36 | | | | | | (306) | | | | | | (270) | | | | | | 596 | | | | | | (948) | | | | | | (352) | | | | | | 334 | | | | | | 230 | | | | | | 564 | | |
FHLB股票和其他投资
|
| | | | (22) | | | | | | (22) | | | | | | (44) | | | | | | (57) | | | | | | (32) | | | | | | (89) | | | | | | 45 | | | | | | (6) | | | | | | 39 | | |
Total interest income
|
| | | | (57) | | | | | | (882) | | | | | | (939) | | | | | | 6,031 | | | | | | (395) | | | | | | 5,636 | | | | | | 6,247 | | | | | | 1,526 | | | | | | 7,773 | | |
Interest expense: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
储蓄、现在和货币市场存款
|
| | | | 1 | | | | | | (520) | | | | | | (519) | | | | | | 269 | | | | | | (1,334) | | | | | | (1,065) | | | | | | 688 | | | | | | 557 | | | | | | 1,245 | | |
Time deposits
|
| | | | (15) | | | | | | (901) | | | | | | (916) | | | | | | 2,553 | | | | | | (98) | | | | | | 2,455 | | | | | | 548 | | | | | | 1,366 | | | | | | 1,914 | | |
Fed funds purchased, FHLB & FRB
borrowings |
| | | | (80) | | | | | | (167) | | | | | | (247) | | | | | | (370) | | | | | | (88) | | | | | | (458) | | | | | | 206 | | | | | | 199 | | | | | | 405 | | |
Note payable
|
| | | | (346) | | | | | | 194 | | | | | | (152) | | | | | | — | | | | | | 3 | | | | | | 3 | | | | | | 100 | | | | | | (91) | | | | | | 9 | | |
次级债券
|
| | | | 305 | | | | | | — | | | | | | 305 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Total interest expense
|
| | | | (135) | | | | | | (1,394) | | | | | | (1,529) | | | | | | 2,452 | | | | | | (1,517) | | | | | | 935 | | | | | | 1,542 | | | | | | 2,031 | | | | | | 3,573 | | |
Net interest income
|
| | | $ | 78 | | | | | $ | 512 | | | | | $ | 590 | | | | | $ | 3,579 | | | | | $ | 1,122 | | | | | $ | 4,701 | | | | | $ | 4,705 | | | | | $ | (505) | | | | | $ | 4,200 | | |
| | |
December 31,
|
| |
September 30,
|
| ||||||||||||||||||||||||
| | |
2020
|
| |
2019
|
| |
2020
|
| |
2019
|
| |
2018
|
| |||||||||||||||
| | |
(dollars in thousands)
|
| |||||||||||||||||||||||||||
可供出售的投资证券: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
美国GSE住房抵押贷款支持证券
|
| | | $ | 957 | | | | | $ | 914 | | | | | $ | 962 | | | | | $ | 911 | | | | | $ | — | | |
美国GSE商业抵押贷款支持证券
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 185 | | |
Corporate bonds
|
| | | | 6,477 | | | | | | — | | | | | | 5,073 | | | | | | — | | | | | | — | | |
可供出售的投资证券总额
|
| | | | 7,434 | | | | | | 914 | | | | | | 6,035 | | | | | | 911 | | | | | | 185 | | |
持有至到期的投资证券: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
美国GSE住房抵押贷款支持证券
|
| | | | 3,766 | | | | | | 5,480 | | | | | | 4,478 | | | | | | 5,729 | | | | | | 6,579 | | |
美国GSE商业抵押贷款支持证券
|
| | | | 2,735 | | | | | | 2,788 | | | | | | 2,749 | | | | | | 2,801 | | | | | | 2,852 | | |
Corporate bonds
|
| | | | 3,500 | | | | | | 3,500 | | | | | | 3,500 | | | | | | 3,500 | | | | | | 3,500 | | |
持有至到期的投资证券总额
|
| | | | 10,001 | | | | | | 11,768 | | | | | | 10,727 | | | | | | 12,030 | | | | | | 12,931 | | |
总投资证券
|
| | | $ | 17,435 | | | | | $ | 12,682 | | | | | $ | 16,762 | | | | | $ | 12,941 | | | | | $ | 13,116 | | |
| | |
As of December 31, 2020
|
| |
As of September 30, 2020
|
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| | |
Due after 1 year
through 5 years |
| |
Due after 5 years
through 10 years |
| |
Due after 10 years
|
| |
Total
|
| |
Due after 5 years
through 10 years |
| |
Due after 10 years
|
| |
Total
|
| |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
(dollars in thousands)
|
| |
Amortized
Cost |
| |
Weighted
Average Yield |
| |
Amortized
Cost |
| |
Weighted
Average Yield |
| |
Amortized
Cost |
| |
Weighted
Average Yield |
| |
Amortized
Cost |
| |
Weighted
Average Yield |
| |
Market
Value |
| |
Amortized
Cost |
| |
Weighted
Average Yield |
| |
Amortized
Cost |
| |
Weighted
Average Yield |
| |
Amortized
Cost |
| |
Weighted
Average Yield |
| |
Market
Value |
| ||||||||||||||||||||||||||||||||||||||||||||||||
可供出售的投资证券: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
美国GSE住房抵押贷款支持证券
|
| | | $ | — | | | | | | 0.00% | | | | | $ | — | | | | | | 0.00% | | | | | $ | 826 | | | | | | 2.81% | | | | | $ | 826 | | | | | | 2.81% | | | | | $ | 957 | | | | | $ | — | | | | | | 0.00% | | | | | $ | 838 | | | | | | 2.73% | | | | | $ | 838 | | | | | | 2.73% | | | | | $ | 962 | | |
Corporate bonds
|
| | | | — | | | | | | 0.00% | | | | | | 6,200 | | | | | | 5.51% | | | | | | — | | | | | | 0.00% | | | | | | 6,200 | | | | | | 5.51% | | | | | | 6,477 | | | | | | 5,000 | | | | | | 5.75% | | | | | | — | | | | | | 0.00% | | | | | | 5,000 | | | | | | 5.75% | | | | | | 5,073 | | |
可用于-的总投资证券-
sale |
| | | | — | | | | | | 0.00% | | | | | | 6,200 | | | | | | 5.51% | | | | | | 826 | | | | | | 2.81% | | | | | | 7,026 | | | | | | 5.19% | | | | | | 7,434 | | | | | | 5,000 | | | | | | 5.75% | | | | | | 838 | | | | | | 2.73% | | | | | | 5,838 | | | | | | 5.32% | | | | | | 6,035 | | |
持有至到期的投资证券: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
美国GSE住房抵押贷款支持证券
|
| | | | — | | | | | | 0.00% | | | | | | — | | | | | | 0.00% | | | | | | 3,766 | | | | | | 2.18% | | | | | | 3,766 | | | | | | 2.18% | | | | | | 3,865 | | | | | | — | | | | | | 0.00% | | | | | | 4,478 | | | | | | 2.19% | | | | | | 4,478 | | | | | | 2.19% | | | | | | 4,596 | | |
美国GSE商业抵押贷款支持证券
|
| | | | — | | | | | | 0.00% | | | | | | 2,735 | | | | | | 2.68% | | | | | | — | | | | | | 0.00% | | | | | | 2,735 | | | | | | 2.68% | | | | | | 2,982 | | | | | | 2,749 | | | | | | 2.68% | | | | | | — | | | | | | 0.00% | | | | | | 2,749 | | | | | | 2.68% | | | | | | 3,002 | | |
Corporate bonds
|
| | | | 1,500 | | | | | | 6.50% | | | | | | 2,000 | | | | | | 5.25% | | | | | | — | | | | | | 0.00% | | | | | | 3,500 | | | | | | 5.79% | | | | | | 3,520 | | | | | | 3,500 | | | | | | 5.79% | | | | | | — | | | | | | 0.00% | | | | | | 3,500 | | | | | | 5.79% | | | | | | 3,533 | | |
持有至到期的投资证券总额
|
| | | | 1,500 | | | | | | 6.50% | | | | | | 4,735 | | | | | | 3.76% | | | | | | 3,766 | | | | | | 2.18% | | | | | | 10,001 | | | | | | 3.58% | | | | | | 10,367 | | | | | | 6,249 | | | | | | 4.42% | | | | | | 4,478 | | | | | | 2.19% | | | | | | 10,727 | | | | | | 3.49% | | | | | | 11,131 | | |
总投资证券
|
| | | $ | 1,500 | | | | | | 6.50% | | | | | $ | 10,935 | | | | | | 4.75% | | | | | $ | 4,592 | | | | | | 2.29% | | | | | $ | 17,027 | | | | | | 4.24% | | | | | $ | 17,801 | | | | | $ | 11,249 | | | | | | 5.01% | | | | | $ | 5,316 | | | | | | 2.28% | | | | | $ | 16,565 | | | | | | 4.13% | | | | | $ | 17,166 | | |
| | |
December 31,
|
| |
September 30,
|
| ||||||||||||||||||||||||||||||||||||
| | |
2020
|
| |
2019
|
| |
2020
|
| |
2019
|
| |
2018
|
| |
2017
|
| |
2016
|
| |||||||||||||||||||||
| | |
(dollars in thousands)
|
| |||||||||||||||||||||||||||||||||||||||
Real estate: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Residential
|
| | | $ | 445,992 | | | | | $ | 479,610 | | | | | $ | 454,073 | | | | | $ | 465,422 | | | | | $ | 372,673 | | | | | $ | 238,251 | | | | | $ | 147,286 | | |
Multi-family
|
| | | | 147,043 | | | | | | 131,303 | | | | | | 136,539 | | | | | | 139,504 | | | | | | 132,301 | | | | | | 120,143 | | | | | | 95,407 | | |
Commercial
|
| | | | 115,190 | | | | | | 104,849 | | | | | | 113,615 | | | | | | 108,197 | | | | | | 48,669 | | | | | | 59,190 | | | | | | 51,527 | | |
工商业
|
| | | | 20,497 | | | | | | 7,450 | | | | | | 21,100 | | | | | | 7,353 | | | | | | 6,736 | | | | | | 5,715 | | | | | | 6,697 | | |
Consumer
|
| | | | 28 | | | | | | 496 | | | | | | 24 | | | | | | 501 | | | | | | 24 | | | | | | 86 | | | | | | 217 | | |
Gross loans
|
| | | | 728,750 | | | | | | 723,708 | | | | | | 725,351 | | | | | | 720,977 | | | | | | 560,403 | | | | | | 423,385 | | | | | | 301,134 | | |
Net deferred costs (fees)
|
| | | | 2 | | | | | | (467) | | | | | | (332) | | | | | | (535) | | | | | | (1,023) | | | | | | (758) | | | | | | (36) | | |
Total loans
|
| | | | 728,752 | | | | | | 723,241 | | | | | | 725,019 | | | | | | 720,442 | | | | | | 559,380 | | | | | | 422,627 | | | | | | 301,098 | | |
贷款损失准备
|
| | | | (7,979) | | | | | | (7,143) | | | | | | (7,869) | | | | | | (7,143) | | | | | | (6,493) | | | | | | (4,795) | | | | | | (3,419) | | |
Total loans, net
|
| | | $ | 720,773 | | | | | $ | 716,098 | | | | | $ | 717,150 | | | | | $ | 713,299 | | | | | $ | 552,887 | | | | | $ | 417,832 | | | | | $ | 297,679 | | |
| | |
At December 31, 2020, Maturing
|
| |
At September 30, 2020, Maturing
|
| ||||||||||||||||||||||||||||||||||||||||||
(dollars in thousands)
|
| |
In One
Year or Less |
| |
After
One Year through Five Years |
| |
After
Five Years |
| |
Total
|
| |
In One
Year or Less |
| |
After
One Year through Five Years |
| |
After
Five Years |
| |
Total
|
| ||||||||||||||||||||||||
工商业
|
| | | $ | 2,320 | | | | | $ | 17,811 | | | | | $ | 366 | | | | | $ | 20,497 | | | | | $ | 2,322 | | | | | $ | 18,123 | | | | | $ | 655 | | | | | $ | 21,100 | | |
房地产建设
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Total
|
| | | $ | 2,320 | | | | | $ | 17,811 | | | | | $ | 366 | | | | | $ | 20,497 | | | | | $ | 2,322 | | | | | $ | 18,123 | | | | | $ | 655 | | | | | $ | 21,100 | | |
Loans with: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Fixed rates
|
| | | | | | | | | $ | 17,516 | | | | | $ | 200 | | | | | $ | 17,716 | | | | | | | | | | | $ | 17,825 | | | | | $ | 206 | | | | | $ | 18,031 | | |
Variable rates
|
| | | | | | | | | | 295 | | | | | | 166 | | | | | | 461 | | | | | | | | | | | | 298 | | | | | | 449 | | | | | | 747 | | |
Total
|
| | | | | | | | | $ | 17,811 | | | | | $ | 366 | | | | | $ | 18,177 | | | | | | | | | | | $ | 18,123 | | | | | $ | 655 | | | | | $ | 18,778 | | |
| | |
At December 31,
|
| |
At September 30,
|
| ||||||||||||||||||||||||||||||||||||
| | |
2020
|
| |
2019
|
| |
2020
|
| |
2019
|
| |
2018
|
| |
2017
|
| |
2016
|
| |||||||||||||||||||||
| | |
(dollars in thousands)
|
| |||||||||||||||||||||||||||||||||||||||
Nonaccrual loans
|
| | | $ | 4,053 | | | | | $ | 760 | | | | | $ | 953 | | | | | $ | 1,613 | | | | | $ | — | | | | | $ | — | | | | | $ | — | | |
非应计项目贷款(待售)
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
| | |
At December 31,
|
| |
At September 30,
|
| ||||||||||||||||||||||||||||||||||||
| | |
2020
|
| |
2019
|
| |
2020
|
| |
2019
|
| |
2018
|
| |
2017
|
| |
2016
|
| |||||||||||||||||||||
| | |
(dollars in thousands)
|
| |||||||||||||||||||||||||||||||||||||||
OREO
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
不良资产总额(1)
|
| | | $ | 4,053 | | | | | $ | 760 | | | | | $ | 953 | | | | | $ | 1,613 | | | | | $ | — | | | | | $ | — | | | | | $ | — | | |
Performing TDRs
|
| | | $ | 454 | | | | | $ | 454 | | | | | $ | 454 | | | | | $ | 454 | | | | | $ | 354 | | | | | $ | 562 | | | | | $ | 1,055 | | |
逾期90天或更长时间且仍在累计的贷款
|
| | | $ | 318 | | | | | $ | 302 | | | | | $ | 296 | | | | | $ | 629 | | | | | $ | — | | | | | $ | — | | | | | $ | — | | |
非应计贷款(不包括持有待售贷款)占总贷款的比例
|
| | | | 0.56% | | | | | | 0.11% | | | | | | 0.13% | | | | | | 0.22% | | | | | | 0.00% | | | | | | 0.00% | | | | | | 0.00% | | |
不良资产占总资产的比例
|
| | | | 0.46% | | | | | | 0.09% | | | | | | 0.11% | | | | | | 0.19% | | | | | | 0.00% | | | | | | 0.00% | | | | | | 0.00% | | |
不良资产、执行TDR和
逾期90天或更长时间的贷款仍然 应计为贷款总额和持有贷款- sale |
| | | | 0.66% | | | | | | 0.21% | | | | | | 0.23% | | | | | | 0.37% | | | | | | 0.06% | | | | | | 0.13% | | | | | | 0.33% | | |
| | |
December 31,
|
| |
September 30,
|
| ||||||||||||||||||
(dollars in thousands)
|
| |
2020
|
| |
2019
|
| |
2020
|
| |
2019
|
| ||||||||||||
Classified Loans | | | | | | | | | | | | | | | | | | | | | | | | | |
Substandard
|
| | | $ | 5,440 | | | | | $ | 2,644 | | | | | $ | 3,132 | | | | | $ | 2,697 | | |
Doubtful
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Loss
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Total classified loans
|
| | | | 5,440 | | | | | | 2,644 | | | | | | 3,132 | | | | | | 2,697 | | |
Special Mention Loans
|
| | | | 11,264 | | | | | | 223 | | | | | | 5,080 | | | | | | 241 | | |
分类贷款和特别提及贷款总额
|
| | | $ | 16,704 | | | | | $ | 2,867 | | | | | $ | 8,212 | | | | | $ | 2,938 | | |
| | |
截至12月31日的三个月
|
| |
Years Ended September 30,
|
| ||||||||||||||||||||||||||||||||||||
| | |
2020
|
| |
2019
|
| |
2020
|
| |
2019
|
| |
2018
|
| |
2017
|
| |
2016
|
| |||||||||||||||||||||
| | |
(dollars in thousands)
|
| |||||||||||||||||||||||||||||||||||||||
Beginning balance
|
| | | $ | 7,869 | | | | | $ | 7,143 | | | | | $ | 7,143 | | | | | $ | 6,493 | | | | | $ | 4,795 | | | | | $ | 3,419 | | | | | $ | 2,180 | | |
Charge-offs: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Commercial real estate
|
| | | | — | | | | | | — | | | | | | 224 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
工商业
|
| | | | — | | | | | | — | | | | | | 300 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Total charge-offs
|
| | | | — | | | | | | — | | | | | | 524 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Recoveries: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
工商业
|
| | | | 10 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 14 | | |
Total recoveries
|
| | | | 10 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 14 | | |
净冲销/(回收)
|
| | | | (10) | | | | | | — | | | | | | 524 | | | | | | — | | | | | | — | | | | | | — | | | | | | (14) | | |
贷款损失准备金
|
| | | | 100 | | | | | | — | | | | | | 1,250 | | | | | | 650 | | | | | | 1,698 | | | | | | 1,376 | | | | | | 1,225 | | |
Balance at end of period
|
| | | $ | 7,979 | | | | | $ | 7,143 | | | | | $ | 7,869 | | | | | $ | 7,143 | | | | | $ | 6,493 | | | | | $ | 4,795 | | | | | $ | 3,419 | | |
| | |
Three Months Ended
December 31, |
| |
Years Ended September 30,
|
| ||||||||||||||||||||||||||||||||||||
| | |
2020
|
| |
2019
|
| |
2020
|
| |
2019
|
| |
2018
|
| |
2017
|
| |
2016
|
| |||||||||||||||||||||
| | |
(dollars in thousands)
|
| |||||||||||||||||||||||||||||||||||||||
期内净冲销/(收回)与期内平均未偿还贷款的比率
|
| | | | -0.01% | | | | | | 0.00% | | | | | | 0.07% | | | | | | 0.00% | | | | | | 0.00% | | | | | | 0.00% | | | | | | -0.01% | | |
贷款损失准备占期末贷款总额的百分比
|
| | | | 1.09% | | | | | | 0.99% | | | | | | 1.09% | | | | | | 0.99% | | | | | | 1.16% | | | | | | 1.13% | | | | | | 1.14% | | |
| | |
Residential
Real Estate |
| |
Multi-family
|
| |
Commercial
Real Estate |
| |
Commercial
and Industrial |
| |
Consumer
|
| |
Unallocated
|
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||
| | |
Amount
of Allowance |
| |
Loans to
Gross Loans |
| |
Amount
of Allowance |
| |
Loans to
Gross Loans |
| |
Amount
of Allowance |
| |
Loans to
Gross Loans |
| |
Amount
of Allowance |
| |
Loans to
Gross Loans |
| |
Amount
of Allowance |
| |
Loans to
Gross Loans |
| |
Amount
of Allowance |
| |
Total
Allowance |
| ||||||||||||||||||||||||||||||||||||
| | |
(dollars in thousands)
|
| |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
December 31, 2020
|
| | | $ | 5,094 | | | | | | 61.2% | | | | | $ | 1,619 | | | | | | 20.2% | | | | | $ | 1,221 | | | | | | 15.8% | | | | | $ | 44 | | | | | | 2.8% | | | | | $ | 1 | | | | | | 0.0% | | | | | $ | — | | | | | $ | 7,979 | | |
December 31, 2019
|
| | | | 4,685 | | | | | | 66.3% | | | | | | 1,192 | | | | | | 18.1% | | | | | | 1,175 | | | | | | 14.5% | | | | | | 79 | | | | | | 1.0% | | | | | | 12 | | | | | | 0.1% | | | | | | — | | | | | | 7,143 | | |
September 30, 2020
|
| | | | 5,103 | | | | | | 62.6% | | | | | | 1,506 | | | | | | 18.8% | | | | | | 1,221 | | | | | | 15.7% | | | | | | 38 | | | | | | 2.9% | | | | | | 1 | | | | | | 0.0% | | | | | | — | | | | | | 7,869 | | |
September 30, 2019
|
| | | | 4,647 | | | | | | 64.6% | | | | | | 1,215 | | | | | | 19.3% | | | | | | 1,193 | | | | | | 15.0% | | | | | | 75 | | | | | | 1.0% | | | | | | 13 | | | | | | 0.1% | | | | | | — | | | | | | 7,143 | | |
September 30, 2018
|
| | | | 4,363 | | | | | | 66.5% | | | | | | 1,478 | | | | | | 23.6% | | | | | | 500 | | | | | | 8.7% | | | | | | 152 | | | | | | 1.2% | | | | | | — | | | | | | 0.0% | | | | | | — | | | | | | 6,493 | | |
September 30, 2017
|
| | | | 2,659 | | | | | | 56.3% | | | | | | 1,422 | | | | | | 28.4% | | | | | | 651 | | | | | | 14.0% | | | | | | 62 | | | | | | 1.3% | | | | | | 1 | | | | | | 0.0% | | | | | | — | | | | | | 4,795 | | |
September 30, 2016
|
| | | | 1,524 | | | | | | 48.9% | | | | | | 975 | | | | | | 31.7% | | | | | | 528 | | | | | | 17.1% | | | | | | 78 | | | | | | 2.2% | | | | | | 2 | | | | | | 0.1% | | | | | | 312 | | | | | | 3,419 | | |
| | |
December 31, 2020
|
| |
December 31, 2019
|
| |
September 30, 2020
|
| |
September 30, 2019
|
| ||||||||||||||||||||||||||||||||||||
(dollars in thousands)
|
| |
Amount
|
| |
% of
total |
| |
Amount
|
| |
% of
total |
| |
Amount
|
| |
% of
total |
| |
Amount
|
| |
% of
total |
| ||||||||||||||||||||||||
即期、不计息
|
| | | $ | 86,266 | | | | | | 12.5% | | | | | $ | 73,018 | | | | | | 10.9% | | | | | $ | 82,350 | | | | | | 12.4% | | | | | $ | 69,606 | | | | | | 10.7% | | |
NOW
|
| | | | 93,258 | | | | | | 13.5% | | | | | | 42,432 | | | | | | 6.3% | | | | | | 34,086 | | | | | | 5.1% | | | | | | 53,564 | | | | | | 8.2% | | |
Money market
|
| | | | 87,843 | | | | | | 12.8% | | | | | | 101,680 | | | | | | 15.2% | | | | | | 110,353 | | | | | | 16.6% | | | | | | 102,054 | | | | | | 15.7% | | |
Savings
|
| | | | 44,072 | | | | | | 6.4% | | | | | | 41,249 | | | | | | 6.2% | | | | | | 43,218 | | | | | | 6.5% | | | | | | 39,548 | | | | | | 6.1% | | |
Time
|
| | | | 376,877 | | | | | | 54.8% | | | | | | 411,144 | | | | | | 61.4% | | | | | | 394,753 | | | | | | 59.4% | | | | | | 385,514 | | | | | | 59.3% | | |
Total Deposits
|
| | | $ | 688,316 | | | | | | 100.0% | | | | | $ | 669,523 | | | | | | 100.0% | | | | | $ | 664,760 | | | | | | 100.0% | | | | | $ | 650,286 | | | | | | 100.0% | | |
| | |
截至12月31日的三个月
|
| |
Years Ended September 30,
|
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||
| | |
2020
|
| |
2019
|
| |
2020
|
| |
2019
|
| |
2018
|
| |||||||||||||||||||||||||||||||||||||||||||||
(dollars in thousands)
|
| |
Balance
|
| |
Rate
|
| |
Balance
|
| |
Rate
|
| |
Balance
|
| |
Rate
|
| |
Balance
|
| |
Rate
|
| |
Balance
|
| |
Rate
|
| ||||||||||||||||||||||||||||||
即期、不计息
|
| | | $ | 83,701 | | | | | | 0.00% | | | | | $ | 72,503 | | | | | | 0.00% | | | | | $ | 72,007 | | | | | | 0.00% | | | | | $ | 46,132 | | | | | | 0.00% | | | | | $ | 25,785 | | | | | | 0.00% | | |
NOW
|
| | | | 41,143 | | | | | | 0.26% | | | | | | 46,183 | | | | | | 0.94% | | | | | | 37,774 | | | | | | 0.63% | | | | | | 40,764 | | | | | | 0.86% | | | | | | 16,199 | | | | | | 0.73% | | |
| | |
截至12月31日的三个月
|
| |
Years Ended September 30,
|
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||
| | |
2020
|
| |
2019
|
| |
2020
|
| |
2019
|
| |
2018
|
| |||||||||||||||||||||||||||||||||||||||||||||
(dollars in thousands)
|
| |
Balance
|
| |
Rate
|
| |
Balance
|
| |
Rate
|
| |
Balance
|
| |
Rate
|
| |
Balance
|
| |
Rate
|
| |
Balance
|
| |
Rate
|
| ||||||||||||||||||||||||||||||
Money market
|
| | | | 102,260 | | | | | | 0.28% | | | | | | 100,501 | | | | | | 1.80% | | | | | | 100,109 | | | | | | 1.02% | | | | | | 93,621 | | | | | | 2.03% | | | | | | 27,324 | | | | | | 1.43% | | |
Savings
|
| | | | 43,491 | | | | | | 0.17% | | | | | | 39,840 | | | | | | 0.72% | | | | | | 41,223 | | | | | | 0.45% | | | | | | 25,688 | | | | | | 1.01% | | | | | | 66,657 | | | | | | 1.13% | | |
Time
|
| | | | 391,442 | | | | | | 1.47% | | | | | | 393,823 | | | | | | 2.39% | | | | | | 418,384 | | | | | | 2.19% | | | | | | 302,124 | | | | | | 2.23% | | | | | | 273,186 | | | | | | 1.76% | | |
Total Deposits
|
| | | $ | 662,037 | | | | | | 0.94% | | | | | $ | 652,850 | | | | | | 1.83% | | | | | $ | 669,497 | | | | | | 1.59% | | | | | $ | 508,329 | | | | | | 1.82% | | | | | $ | 409,151 | | | | | | 1.49% | | |
|
| | |
December 31,
|
| |
September 30,
|
| ||||||||||||||||||
(dollars in thousands)
|
| |
2020
|
| |
2019
|
| |
2020
|
| |
2019
|
| ||||||||||||
3 months or less
|
| | | $ | 73,409 | | | | | $ | 31,272 | | | | | $ | 59,075 | | | | | $ | 38,372 | | |
Over 3 to 6 months
|
| | | | 31,037 | | | | | | 77,691 | | | | | | 73,907 | | | | | | 30,459 | | |
Over 6 to 12 months
|
| | | | 98,911 | | | | | | 106,241 | | | | | | 83,940 | | | | | | 94,411 | | |
Over 12 months
|
| | | | 41,346 | | | | | | 48,204 | | | | | | 39,111 | | | | | | 84,311 | | |
Total
|
| | | $ | 244,703 | | | | | $ | 263,408 | | | | | $ | 256,033 | | | | | $ | 247,553 | | |
| | |
At December 31, 2020
|
| |
At September 30, 2020
|
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||
合同义务
(dollars in thousands) |
| |
Total
|
| |
Less than
one year |
| |
1 – 3 years
|
| |
3 – 5 years
|
| |
More than
5 years |
| |
Total
|
| |
Less than
one year |
| |
1 – 3 years
|
| |
3 – 5 years
|
| |
More than
5 years |
| ||||||||||||||||||||||||||||||
Time deposits
|
| | | $ | 376,877 | | | | | $ | 320,635 | | | | | $ | 46,296 | | | | | $ | 9,946 | | | | | $ | — | | | | | $ | 394,753 | | | | | $ | 339,826 | | | | | $ | 45,058 | | | | | $ | 9,869 | | | | | $ | — | | |
次级债券
|
| | | | 24,468 | | | | | | — | | | | | | — | | | | | | — | | | | | | 24,468 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Note payable
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 14,984 | | | | | | — | | | | | | — | | | | | | — | | | | | | 14,984 | | |
FHLB borrowings
|
| | | | 58,607 | | | | | | 28,367 | | | | | | 4,300 | | | | | | 25,940 | | | | | | — | | | | | | 68,998 | | | | | | 34,758 | | | | | | 8,300 | | | | | | 25,940 | | | | | | — | | |
FRB borrowings
|
| | | | 15,907 | | | | | | — | | | | | | 15,907 | | | | | | — | | | | | | — | | | | | | 16,156 | | | | | | — | | | | | | 16,156 | | | | | | — | | | | | | — | | |
Operating leases
|
| | | | 13,902 | | | | | | 1,558 | | | | | | 3,242 | | | | | | 3,312 | | | | | | 5,790 | | | | | | 14,287 | | | | | | 1,544 | | | | | | 3,223 | | | | | | 3,354 | | | | | | 6,166 | | |
备用信用证
|
| | | | 159 | | | | | | 159 | | | | | | — | | | | | | — | | | | | | — | | | | | | 159 | | | | | | 159 | | | | | | — | | | | | | — | | | | | | — | | |
Unused lines of credit(1)
|
| | | | 444 | | | | | | 5 | | | | | | — | | | | | | — | | | | | | 439 | | | | | | 492 | | | | | | 3 | | | | | | — | | | | | | — | | | | | | 489 | | |
At December 31, 2020
|
| |
At September 30, 2020
|
| | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Interest Rates
(basis points) |
| |
Estimated
EVE |
| |
Estimated
Change in EVE |
| |
Interest Rates
(basis points) |
| |
Estimated
NII (1) |
| |
Estimated
Change in NII (1) |
| |
Interest Rates
(basis points) |
| |
Estimated
EVE |
| |
Estimated
Change in EVE |
| |
Interest Rates
(basis points) |
| |
Estimated
NII (1) |
| |
Estimated
Change in NII (1) |
| | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
Amount
|
| |
%
|
| |
Amount
|
| |
%
|
| |
Amount
|
| |
%
|
| |
Amount
|
| |
%
|
| | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
+400
|
| | | $ | 124,394 | | | | | $ | (15,040) | | | | | | (10.8) | | | | | | +400 | | | | | $ | 33,770 | | | | | $ | (1,239) | | | | | | (3.5) | | | | | | +400 | | | | | $ | 97,340 | | | | | $ | (35,495) | | | | | | (26.7) | | | | | | +400 | | | | | $ | 31,699 | | | | | $ | (1,692) | | | | | | (5.1) | | | | | |
+300
|
| | | | 130,596 | | | | | | (8,838) | | | | | | (6.3) | | | | | | +300 | | | | | | 34,420 | | | | | | (589) | | | | | | (1.7) | | | | | | +300 | | | | | | 106,667 | | | | | | (26,168) | | | | | | (19.7) | | | | | | +300 | | | | | | 32,436 | | | | | | (955) | | | | | | (2.9) | | | | | |
+200
|
| | | | 133,706 | | | | | | (5,728) | | | | | | (4.1) | | | | | | +200 | | | | | | 34,838 | | | | | | (171) | | | | | | (0.5) | | | | | | +200 | | | | | | 113,957 | | | | | | (18,878) | | | | | | (14.2) | | | | | | +200 | | | | | | 32,964 | | | | | | (427) | | | | | | (1.3) | | | | | |
+100
|
| | | | 134,359 | | | | | | (5,075) | | | | | | (3.6) | | | | | | +100 | | | | | | 34,961 | | | | | | (48) | | | | | | (0.1) | | | | | | +100 | | | | | | 119,920 | | | | | | (12,915) | | | | | | (9.7) | | | | | | +100 | | | | | | 33,219 | | | | | | (172) | | | | | | (0.5) | | | | | |
0
|
| | | | 139,434 | | | | | | | | | | | | | | | | | | 0 | | | | | | 35,009 | | | | | | | | | | | | | | | | | | 0 | | | | | | 132,835 | | | | | | | | | | | | | | | | | | 0 | | | | | | 33,391 | | | | | | | | | | | | | | | | ||
-100
|
| | | | 149,821 | | | | | | 10,387 | | | | | | 7.4 | | | | | | -100 | | | | | | 34,738 | | | | | | (271) | | | | | | (0.8) | | | | | | -100 | | | | | | 144,913 | | | | | | 12,078 | | | | | | 9.1 | | | | | | -100 | | | | | | 33,299 | | | | | | (92) | | | | | | (0.3) | | | | | |
汉诺威汽车公司的名称和职位
|
| |
Age
|
| |
过去五年的主要职业
|
| |
Term of Office
Since – Expires(1) |
|
董事的瓦尔基·亚伯拉罕 | | |
66
|
| | 鞋类批发/零售公司所有者和房地产投资者 | | |
2008 – 2021
|
|
董事的阿伦·H·哈斯佩尔 | | |
77
|
| | 退休律师和注册会计师,前Jones Day律师事务所和毕马威律师事务所合伙人 | | |
2012 – 2021
|
|
董事的罗伯特·戈登 | | |
56
|
| | TREO Brands创始人兼首席执行官和Golden Properties Group LLC的总裁 | | |
2014 – 2021
|
|
董事的Frank V.Carone | | |
50
|
| | 艾布拉姆斯,芬斯特曼,芬斯特曼,艾斯曼,Formato,Ferrara,Wolf&Carone律师事务所合伙人 | | |
2010 – 2022
|
|
董事长兼首席执行官Michael P.Puorro | | |
61
|
| | 汉诺威和汉诺威银行董事长兼首席执行官 | | |
2012 – 2022
|
|
董事的迈克尔·卡茨 | | |
81
|
| | 纽约耳鼻喉科协会前总裁内科医生 | | |
2012 – 2023
|
|
董事约翰·R·索伦蒂 | | |
69
|
| | 建筑师、JRS Architect创始人兼总裁,P.C. | | |
2012 – 2023
|
|
Philip Okun, Director | | |
65
|
| | 波利美尼国际前总裁,天际管理首席运营官;Realty Connect USA LLC创始合伙人 | | |
2008 – 2023
|
|
Name
|
| |
Age
|
| |
Position with Hanover
|
| |
Term of Office
Since – Expires(1) |
|
Brian K. Finneran | | |
63
|
| | 汉诺威银行首席财务官总裁 | | |
2017
|
|
Kevin Corbett | | |
61
|
| | 常务副总裁/首席信贷官 | | |
2020
|
|
Denise Chardavoyne | | |
43
|
| | 常务副总裁总裁/首席零售与信息官 | | |
2018
|
|
Lisa A. Diiorio | | |
57
|
| | 第一位高级副总裁/首席会计官 | | |
2016
|
|
Alice Rouse | | |
54
|
| | 执行副总裁总裁/首席风险官 | | |
2017
|
|
薪酬汇总表
|
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||
姓名和主要职务
|
| |
Year
|
| |
Salary
($) |
| |
Bonus
($) |
| |
Stock
Awards (1) ($) |
| |
Option
Awards ($) |
| |
Non-equity
incentive plan compensation ($) |
| |
Change in
pension value and non- qualified deferred compensation earnings ($) |
| |
All other
compensation(2) ($) |
| |
Total
($) |
| |||||||||||||||||||||||||||
(a)
|
| |
(b)
|
| |
(c)
|
| |
(d)
|
| |
(e)
|
| |
(f)
|
| |
(g)
|
| |
(h)
|
| |
(i)
|
| |
(j)
|
| |||||||||||||||||||||||||||
Michael P. Puorro,
董事长兼首席执行官 |
| | | | 2020 | | | | | | 534,615 | | | | | | 311,200 | | | | | | 103,742 | | | | | | — | | | | | | — | | | | | | — | | | | | | 28,194 | | | | | | 977,751 | | |
| | | 2019 | | | | | | 486,346 | | | | | | 304,853 | | | | | | 669,750 | | | | | | — | | | | | | — | | | | | | — | | | | | | 24,790 | | | | | | 1,485,739 | | | ||
| | | 2018 | | | | | | 432,596 | | | | | | 273,000 | | | | | | 93,373 | | | | | | — | | | | | | — | | | | | | — | | | | | | 24,590 | | | | | | 823,559 | | | ||
Brian K. Finneran,
总裁和首席财务官 |
| | | | 2020 | | | | | | 381,539 | | | | | | 150,000 | | | | | | 51,010 | | | | | | — | | | | | | — | | | | | | — | | | | | | 25,506 | | | | | | 608,055 | | |
| | | 2019 | | | | | | 331,398 | | | | | | 138,825 | | | | | | 280,782 | | | | | | — | | | | | | — | | | | | | — | | | | | | 25,306 | | | | | | 776,311 | | | ||
| | | 2018 | | | | | | 297,942 | | | | | | 56,326 | | | | | | 43,501 | | | | | | — | | | | | | — | | | | | | — | | | | | | 25,106 | | | | | | 422,875 | | | ||
Kevin Corbett,
常务副总裁兼首席 Credit Officer |
| | | | 2020 | | | | | | 204,981 | | | | | | — | | | | | | 65,370 | | | | | | — | | | | | | — | | | | | | — | | | | | | 4,823 | | | | | | 275,174 | | |
| | | 2019 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 0 | | | ||
| | | 2018 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 0 | | |
财政年终杰出股权奖
|
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||
| | |
Option Awards
|
| |
Stock Awards
|
| ||||||||||||||||||||||||||||||||||||||||||||||||
Name
|
| |
Number of
securities underlying unexercised options (#) exerciseable (#) |
| |
Number of
securities underlying unexercised options (#) unexerciseable (#) |
| |
Equity
incentive plan awards: Number of securities underlying unexercised unearned options (#) |
| |
Option
exercise price ($) |
| |
Option
expiration date (#) |
| |
Number of
shares or units of stock that have not vested (#) |
| |
Market
value of shares or units of stock that have not vested ($) |
| |
Equity
incentive plan awards: Number of unearned shares, units or other rights that have not vested (#) |
| |
Equity
incentive plan awards: market or payout value of unearned shares, units or other rights that have not vested ($) |
| |||||||||||||||||||||||||||
(a)
|
| |
(b)
|
| |
(c)
|
| |
(d)
|
| |
(e)
|
| |
(f)
|
| |
(g)
|
| |
(h)
|
| |
(i)
|
| |
(j)
|
| |||||||||||||||||||||||||||
Michael P. Puorro
|
| | | | 71,840 | | | | | | 0 | | | | | | 0 | | | | | | 10.00 | | | | | | 10/1/2024 | | | | | | 30,239 | | | | | | 665,258 | | | | | | — | | | | | | — | | |
Brian K. Finneran
|
| | | | 20,000 | | | | | | 0 | | | | | | 0 | | | | | | 16.25 | | | | | | 7/24/2027 | | | | | | 13,112 | | | | | | 288,464 | | | | | | — | | | | | | — | | |
Kevin Corbett
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 3,000 | | | | | | 66,000 | | | | | | — | | | | | | — | | |
董事薪酬
|
| ||||||||||||||||||||||||||||||||||||||||||
Name
|
| |
Fees
earned or paid in cash ($) |
| |
Stock
Awards ($) |
| |
Options
awards ($) |
| |
Non-equity
incentive plan compensation ($) |
| |
Change in
pension value and nonqualified deferred compensation earnings ($) |
| |
All other
compensation ($) |
| |
Total
($) |
| |||||||||||||||||||||
(a)
|
| |
(b)
|
| |
(c)
|
| |
(d)
|
| |
(e)
|
| |
(f)
|
| |
(g)
|
| |
(h)
|
| |||||||||||||||||||||
Varkey Abraham
|
| | | | 28,850 | | | | | | 21,790 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 50,640 | | |
Frank V. Carone
|
| | | | 30,000 | | | | | | 21,790 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 51,790 | | |
Robert Golden
|
| | | | 50,350 | | | | | | 21,790 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 72,140 | | |
Ahron H. Haspel
|
| | | | 45,250 | | | | | | 21,790 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 67,040 | | |
Michael Katz
|
| | | | 31,850 | | | | | | 21,790 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 53,640 | | |
Philip Okun
|
| | | | 33,350 | | | | | | 21,790 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 55,140 | | |
John R. Sorrenti
|
| | | | 31,100 | | | | | | 21,790 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 52,890 | | |
Name
|
| |
Common Stock
Beneficially Owned |
| |
Percentage
of Class |
| ||||||
Directors: | | | | | | | | | | | | | |
Michael P. Puorro
|
| | | | 282,486(1) | | | | | | 6.44% | | |
Varkey Abraham
|
| | | | 40,952(2) | | | | | | 0.89% | | |
Frank V. Carone
|
| | | | 26,660(3) | | | | | | 0.56% | | |
Robert Golden
|
| | | | 362,053(4) | | | | | | 8.38% | | |
Ahron H. Haspel
|
| | | | 54,218(5) | | | | | | 1.24% | | |
Michael Katz
|
| | | | 234,120(6) | | | | | | 5.41% | | |
Philip Okun
|
| | | | 29,490(7) | | | | | | 0.66% | | |
John R. Sorrenti
|
| | | | 28,984(8) | | | | | | 0.61% | | |
Executive Officers: | | | | | | | | | | | | | |
Brian K. Finneran
|
| | | | 78,002(9) | | | | | | 1.60% | | |
Deonisia Chardavoyne
|
| | | | 6,820(10) | | | | | | 0.13% | | |
Alice Rouse
|
| | | | 19,000(11) | | | | | | | | |
Kevin Corbett
|
| | | | 3,000(12) | | | | | | | | |
全体高管和董事(12人)
|
| | | | 1,165,784 | | | | | | 29.88% | | |
持有5%以上普通股的受益人名称
|
| |
Number of Shares
Beneficially Owned |
| |
Percent
of Class |
| ||||||
Muthoot Holdings LLC
|
| | | | 443,481 | | | | | | 10.62% | | |
萨沃伊的姓名和职位
|
| |
Age
|
| |
过去五年的主要职业
|
| |
Term of Office
Since – Expires |
|
董事董事长梅廷·内格林
|
| |
55
|
| | 乐信资本是一家房地产投资、再开发和管理公司,创始人、所有者和总裁。 | | |
2011 – 2021
|
|
Elena Sista, Director | | |
65
|
| | 新泽西州房地产投资和管理公司Durel Associates和Agem LLC的管理合伙人 | | |
2008 – 2021
|
|
Name of Individual
|
| |
Position with Bank
|
| |
Amount and
Nature of Beneficial Ownership |
| |
Percent
of Class(7) |
| ||||||
Jeffrey N. Bruce
|
| | Director | | | | | 854,476(1) | | | | | | 8.87% | | |
John Campbell
|
| | Director | | | | | 68,500(2) | | | | | | 0.71% | | |
Robert Liberman
|
| | Director | | | | | 85,000 | | | | | | 0.88% | | |
Metin Negrin
|
| | 董事局主席董事 | | | | | 1,542,603(3) | | | | | | 16.02% | | |
Dennis C. Reeder
|
| | Director | | | | | 74,076 | | | | | | 0.77% | | |
Elena Sisti
|
| | 董事荣休主席 | | | | | 895,613(4) | | | | | | 9.30% | | |
Gregory Tolston
|
| | 董事荣誉董事长 | | | | | 962,152(5) | | | | | | 9.99% | | |
McClelland W. Wilcox
|
| | 董事首席执行官总裁 | | | | | 713,572(6) | | | | | | 7.04% | | |
All Directors as a Group
|
| | | | | | | 5,195,992 | | | | | | 51.23% | | |
Danilo Holdings LLC
|
| | None | | | | | 876,625 | | | | | | 9.10% | | |
| | |
2020
|
| |
2019
|
| ||||||||||||||||||||||||||||||
Assets
|
| |
Average
Balance |
| |
Interest
Inc./Exp. |
| |
Yield/
费率 |
| |
Average
Balance |
| |
Interest
Inc./Exp. |
| |
Yield/
费率 |
| ||||||||||||||||||
生息资产 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Loans
|
| | | $ | 333,824,517 | | | | | $ | 21,261,888 | | | | | | 6.37% | | | | | $ | 316,293,487 | | | | | $ | 22,447,692 | | | | | | 7.10% | | |
Loans PPP
|
| | | | 134,054,701 | | | | | | 3,918,027 | | | | | | 2.92% | | | | | | — | | | | | $ | — | | | | | | 0.00% | | |
Securities
|
| | | | 2,571,810 | | | | | | 36,171 | | | | | | 1.41% | | | | | | 3,247,282 | | | | | | 82,577 | | | | | | 2.54% | | |
其他生息资产
|
| | | | 58,247,637 | | | | | | 241,322 | | | | | | 0.41% | | | | | | 43,332,992 | | | | | | 999,977 | | | | | | 2.31% | | |
生息资产总额
|
| | |
|
528,698,665
|
| | | |
$
|
25,457,408
|
| | | | | 4.82% | | | | |
|
362,873,761
|
| | | |
$
|
23,530,246
|
| | | | | 6.48% | | |
非生息资产
|
| | | | 7,027,426 | | | | | | | | | | | | | | | | | | 6,625,981 | | | | | | | | | | | | | | |
Total assets
|
| | | $ | 535,726,091 | | | | | | | | | | | | | | | | | $ | 369,499,742 | | | | | | | | | | | | | | |
| | |
2020
|
| |
2019
|
| ||||||||||||||||||||||||||||||
负债和股东权益
|
| |
Average
Balance |
| |
Interest
Inc./Exp. |
| |
Yield/
费率 |
| |
Average
Balance |
| |
Interest
Inc./Exp. |
| |
Yield/
费率 |
| ||||||||||||||||||
有息负债 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Deposits: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Checking accounts
|
| | | $ | 7,474,107 | | | | | $ | 77,022 | | | | | | 1.03% | | | | | $ | 3,348,098 | | | | | $ | 26,863 | | | | | | 0.80% | | |
Savings accounts
|
| | | | 13,639,536 | | | | | | 163,621 | | | | | | 1.20% | | | | | | 18,764,874 | | | | | | 311,428 | | | | | | 1.66% | | |
Money market accounts
|
| | | | 49,514,710 | | | | | | 570,480 | | | | | | 1.15% | | | | | | 66,647,848 | | | | | | 1,226,261 | | | | | | 1.84% | | |
Time deposit accounts
|
| | | | 224,688,725 | | | | | | 4,685,235 | | | | | | 2.09% | | | | | | 194,927,112 | | | | | | 4,883,073 | | | | | | 2.51% | | |
Total deposits
|
| | | | 295,317,078 | | | | | | 5,496,358 | | | | | | 1.86% | | | | | | 283,687,932 | | | | | | 6,447,625 | | | | | | 2.27% | | |
Borrowed funds: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Fed funds purchased & FHLB
advances |
| | | | 9,319,672 | | | | | | 268,629 | | | | | | 2.88% | | | | | | 12,098,630 | | | | | | 333,252 | | | | | | 2.75% | | |
FRBPPLF borrowings
|
| | | | 128,288,693 | | | | | | 448,510 | | | | | | 0.35% | | | | | | — | | | | | | — | | | | | | 0.00% | | |
Total borrowed funds
|
| | | | 137,608,365 | | | | | | 717,139 | | | | | | 0.52% | | | | | | 12,098,630 | | | | | | 333,252 | | | | | | 2.75% | | |
有息负债总额
|
| | | | 432,925,443 | | | | | | 6,213,497 | | | | | | 1.44% | | | | | | 295,786,562 | | | | | | 6,780,877 | | | | | | 2.29% | | |
无息存款
|
| | | | 55,764,804 | | | | | | | | | | | | | | | | | | 32,588,362 | | | | | | | | | | | | | | |
无息负债
|
| | | | 4,017,020 | | | | | | | | | | | | | | | | | | 2,954,177 | | | | | | | | | | | | | | |
股东权益总额
|
| | | | 43,018,824 | | | | | | | | | | | | | | | | | | 38,170,641 | | | | | | | | | | | | | | |
总负债和股东总负债
equity |
| | | $ | 535,726,091 | | | | | | | | | | | | | | | | | $ | 369,499,742 | | | | | | | | | | | | | | |
净利息和股息收入/利差
|
| | | | | | | | | $ | 19,243,911 | | | | | | 3.38% | | | | | | | | | | | $ | 16,749,369 | | | | | | 4.19% | | |
净生息资产/利润率
|
| | | $ | 95,773,222 | | | | | | | | | | | | 3.64% | | | | | $ | 67,087,199 | | | | | | | | | | | | 4.62% | | |
生息资产总额与有息负债总额的比率
|
| | | | 1.221 | | | | | | | | | | | | | | | | | | 1.227 | | | | | | | | | | | | | | |
| | |
Increase (Decrease) Due to:
|
| | | | | | | |||||||||||||||
Assets
|
| |
Rate
|
| |
Volume
|
| |
Rate/Volume
|
| |
Total
|
| ||||||||||||
生息资产 | | | | | | | | | | | | | | | | | | | | | | | | | |
Total loans
|
| | | $ | (2,302,387) | | | | | $ | 1,244,196 | | | | | $ | (127,613) | | | | | $ | (1,185,804) | | |
PPP loans
|
| | | | — | | | | | | — | | | | | | 3,918,027 | | | | | | 3,918,027 | | |
Total securities
|
| | | | (36,906) | | | | | | (17,177) | | | | | | 7,677 | | | | | | (46,406) | | |
其他生息资产合计
|
| | | | (820,447) | | | | | | 344,179 | | | | | | (282,387) | | | | | | (758,655) | | |
生息资产总额
|
| | | | (3,159,740) | | | | | | 1,571,198 | | | | | | 3,515,704 | | | | | | 1,927,162 | | |
| | |
Increase (Decrease) Due to:
|
| | | | | | | |||||||||||||||
负债和股东权益
|
| |
Rate
|
| |
Volume
|
| |
Rate/Volume
|
| |
Total
|
| ||||||||||||
有息负债 | | | | | | ||||||||||||||||||||
Deposits: | | | | | | ||||||||||||||||||||
Checking accounts
|
| | | | 7,640 | | | | | | 33,104 | | | | | | 9,415 | | | | | | 50,159 | | |
Savings accounts
|
| | | | (86,323) | | | | | | (85,062) | | | | | | 23,578 | | | | | | (147,807) | | |
Money market accounts
|
| | | | (458,383) | | | | | | (315,234) | | | | | | 117,836 | | | | | | (655,781) | | |
Time deposit accounts
|
| | | | (818,430) | | | | | | 745,551 | | | | | | (124,959) | | | | | | (197,838) | | |
Total deposits
|
| | | | (1,355,496) | | | | | | 378,359 | | | | | | 25,870 | | | | | | (951,267) | | |
Borrowed funds: | | | | | | | | | | | | | | | | | | | | | | | | | |
购买的联邦基金和FHLB预付款
|
| | | | 15,477 | | | | | | (76,545) | | | | | | (3,555) | | | | | | (64,623) | | |
FRBPPLF borrowings
|
| | | | 0 | | | | | | 0 | | | | | | 448,510 | | | | | | 448,510 | | |
Total borrowed funds
|
| | | | 15,477 | | | | | | (76,545) | | | | | | 444,955 | | | | | | 383,887 | | |
有息负债总额
|
| | | | (1,340,019) | | | | | | 301,814 | | | | | | 470,825 | | | | | | (567,380) | | |
Total Change
|
| | | $ | (1,819,721) | | | | | $ | 1,269,384 | | | | | $ | 3,044,879 | | | | | $ | 2,494,542 | | |
| | |
股权模式的经济价值
|
| |
净利息收入模型
|
| ||||||||||||||||||||||||||||||
Rate Shift
|
| |
Projected EVE
(In thousands) |
| |
Maximum Per
Savoy Policy |
| |
Result at
12/31/2020 |
| |
Projected NII
(In thousands) |
| |
Maximum Per
Savoy Policy |
| |
Result at
12/31/2020 |
| ||||||||||||||||||
-400 BPS
|
| | | $ | 46,878 | | | | | | -30.00% | | | | | | 3.73% | | | | | $ | 13,890 | | | | | | -25.00% | | | | | | -8.28% | | |
-300 BPS
|
| | | $ | 46,878 | | | | | | -25.00% | | | | | | 3.73% | | | | | $ | 13,994 | | | | | | -20.00% | | | | | | -7.59% | | |
-200 BPS
|
| | | $ | 46,875 | | | | | | -20.00% | | | | | | 3.72% | | | | | $ | 14,405 | | | | | | -15.00% | | | | | | -4.88% | | |
-100 BPS
|
| | | $ | 46,868 | | | | | | -15.00% | | | | | | 3.70% | | | | | $ | 14,819 | | | | | | -10.00% | | | | | | -2.15% | | |
Base
|
| | | $ | 45,194 | | | | | | — | | | | | | — | | | | | $ | 15,144 | | | | | | — | | | | | | — | | |
+100 BPS
|
| | | $ | 45,431 | | | | | | -15.00% | | | | | | 0.52% | | | | | $ | 15,956 | | | | | | -10.00% | | | | | | 5.36% | | |
+200 BPS
|
| | | $ | 45,344 | | | | | | -20.00% | | | | | | 0.33% | | | | | $ | 17,166 | | | | | | -15.00% | | | | | | 13.36% | | |
+300 BPS
|
| | | $ | 44,720 | | | | | | -25.00% | | | | | | -1.05% | | | | | $ | 18,318 | | | | | | -20.00% | | | | | | 20.96% | | |
+400 BPS
|
| | | $ | 43,713 | | | | | | -30.00% | | | | | | -3.28% | | | | | $ | 19,459 | | | | | | -25.00% | | | | | | 28.50% | | |
|
财务状况合并报表
|
| | | | F-2 | | |
|
合并损益表
|
| | | | F-3 | | |
|
全面收益合并报表
|
| | | | F-4 | | |
|
合并股东权益变动表
|
| | | | F-5 | | |
|
现金流量表合并报表
|
| | | | F-6 | | |
|
合并财务报表附注
|
| | | | F-7 | | |
|
独立审计师报告
|
| | | | F-22 | | |
|
财务状况合并报表
|
| | | | F-23 | | |
|
合并损益表
|
| | | | F-24 | | |
|
全面收益合并报表
|
| | | | F-25 | | |
|
合并股东权益变动表
|
| | | | F-26 | | |
|
现金流量表合并报表
|
| | | | F-28 | | |
|
合并财务报表附注
|
| | | | F-29 | | |
|
独立审计师报告
|
| | | | F-64 | | |
|
BALANCE SHEETS
|
| | | | F-65 | | |
|
运营报表
|
| | | | F-66 | | |
|
综合收益表
|
| | | | F-67 | | |
|
股东权益变动表
|
| | | | F-68 | | |
|
STATEMENTS OF CASH FLOWS
|
| | | | F-69 | | |
|
财务报表附注
|
| | | | F-70 | | |
| | |
December 31,
2020 |
| |
September 30,
2020 |
| ||||||
| | |
(unaudited)
|
| | ||||||||
ASSETS | | | | | | | | | | | | | |
银行应付的现金和无息存款
|
| | | $ | 6,186 | | | | | $ | 6,239 | | |
银行到期的有息存款
|
| | | | 92,162 | | | | | | 73,970 | | |
Federal funds sold
|
| | | | 40 | | | | | | — | | |
现金和现金等价物合计
|
| | | | 98,388 | | | | | | 80,209 | | |
Securities: | | | | | | | | | | | | | |
持有至到期(公允价值分别为10,367美元和11,131美元)
|
| | | | 10,001 | | | | | | 10,727 | | |
可供出售,按公允价值出售
|
| | | | 7,434 | | | | | | 6,035 | | |
Total securities
|
| | | | 17,435 | | | | | | 16,762 | | |
Loans held for sale
|
| | | | 4,150 | | | | | | — | | |
用于投资的贷款
|
| | | | 728,752 | | | | | | 725,019 | | |
贷款损失准备
|
| | | | (7,979) | | | | | | (7,869) | | |
为投资而持有的贷款,净额
|
| | | | 720,773 | | | | | | 717,150 | | |
房舍和设备,净额
|
| | | | 14,325 | | | | | | 14,156 | | |
应计应收利息
|
| | | | 6,601 | | | | | | 6,766 | | |
Prepaid pension
|
| | | | 4,675 | | | | | | 4,660 | | |
受限证券,按成本计算
|
| | | | 3,733 | | | | | | 4,202 | | |
Goodwill
|
| | | | 1,901 | | | | | | 1,901 | | |
Other assets
|
| | | | 4,902 | | | | | | 5,800 | | |
TOTAL ASSETS
|
| | | $ | 876,883 | | | | | $ | 851,606 | | |
负债和股东权益 | | | | | | | | | | | | | |
Deposits: | | | | | | | | | | | | | |
无息需求
|
| | | $ | 86,266 | | | | | $ | 82,350 | | |
储蓄、现在和货币市场
|
| | | | 225,173 | | | | | | 187,657 | | |
Time
|
| | | | 376,877 | | | | | | 394,753 | | |
Total deposits
|
| | | | 688,316 | | | | | | 664,760 | | |
Borrowings
|
| | | | 74,514 | | | | | | 85,154 | | |
次级债券
|
| | | | 24,468 | | | | | | — | | |
Note payable
|
| | | | — | | | | | | 14,984 | | |
应计应付利息
|
| | | | 554 | | | | | | 374 | | |
Other liabilities
|
| | | | 9,007 | | | | | | 8,291 | | |
TOTAL LIABILITIES
|
| | | | 796,859 | | | | | | 773,563 | | |
承付款和或有负债 | | | | | | | | | | | | | |
STOCKHOLDERS’ EQUITY | | | | | | | | | | | | | |
优先股(面值$0.01;授权发行1500万股;未发行)
|
| | | | — | | | | | | — | | |
普通股(面值$0.01;授权股份1700万股;已发行和已发行股票分别为4,185,534股和4,175,144股)
|
| | | | 42 | | | | | | 42 | | |
Surplus
|
| | | | 64,020 | | | | | | 63,725 | | |
Retained earnings
|
| | | | 15,639 | | | | | | 14,120 | | |
累计其他综合收益,税后净额
|
| | | | 323 | | | | | | 156 | | |
股东权益总额
|
| | | | 80,024 | | | | | | 78,043 | | |
总负债和股东权益
|
| | | $ | 876,883 | | | | | $ | 851,606 | | |
| | |
截至12月31日的三个月
|
| |||||||||
| | |
2020
|
| |
2019
|
| ||||||
INTEREST INCOME | | | | | | | | | | | | | |
Loans
|
| | | $ | 9,258 | | | | | $ | 9,946 | | |
Taxable securities
|
| | | | 173 | | | | | | 110 | | |
Federal funds sold
|
| | | | — | | | | | | 67 | | |
Other interest income
|
| | | | 66 | | | | | | 313 | | |
Total interest income
|
| | | | 9,497 | | | | | | 10,436 | | |
INTEREST EXPENSE | | | | | | | | | | | | | |
储蓄、现在和货币市场存款
|
| | | | 117 | | | | | | 636 | | |
Time deposits
|
| | | | 1,454 | | | | | | 2,370 | | |
Borrowings
|
| | | | 599 | | | | | | 693 | | |
Total interest expense
|
| | | | 2,170 | | | | | | 3,699 | | |
Net interest income
|
| | | | 7,327 | | | | | | 6,737 | | |
贷款损失准备金
|
| | | | 100 | | | | | | — | | |
计提贷款损失准备后的净利息收入
|
| | | | 7,227 | | | | | | 6,737 | | |
NON-INTEREST INCOME | | | | | | | | | | | | | |
贷款费和手续费
|
| | | | 66 | | | | | | 80 | | |
按揭还本付息收入
|
| | | | 17 | | | | | | 29 | | |
存款账户手续费
|
| | | | 15 | | | | | | 20 | | |
出售持有待售贷款的净收益
|
| | | | 181 | | | | | | 563 | | |
Other operating income
|
| | | | 7 | | | | | | — | | |
非利息收入总额
|
| | | | 286 | | | | | | 692 | | |
非利息支出 | | | | | | | | | | | | | |
工资和员工福利
|
| | | | 3,176 | | | | | | 2,588 | | |
入住率和设备
|
| | | | 1,171 | | | | | | 1,132 | | |
Data processing
|
| | | | 245 | | | | | | 216 | | |
广告和促销
|
| | | | 48 | | | | | | 106 | | |
Acquisition costs
|
| | | | 145 | | | | | | 236 | | |
Professional fees
|
| | | | 412 | | | | | | 505 | | |
其他运营费用
|
| | | | 393 | | | | | | 368 | | |
非利息支出总额
|
| | | | 5,590 | | | | | | 5,151 | | |
所得税前收入支出
|
| | | | 1,923 | | | | | | 2,278 | | |
Income tax expense
|
| | | | 404 | | | | | | 508 | | |
NET INCOME
|
| | | $ | 1,519 | | | | | $ | 1,770 | | |
普通股每股收益 - Basic
|
| | | $ | 0.36 | | | | | $ | 0.43 | | |
稀释后的普通股每股收益 -
|
| | | $ | 0.36 | | | | | $ | 0.42 | | |
| | |
截至12月31日的三个月
|
| |||||||||
| | |
2020
|
| |
2019
|
| ||||||
Net income
|
| | | $ | 1,519 | | | | | $ | 1,770 | | |
其他综合收入,税后净额: | | | | | | | | | | | | | |
可供出售证券的未实现收益在以下期间发生变化
期间,扣除税金分别为45美元和3美元 |
| | | | 167 | | | | | | 10 | | |
扣除税后的其他综合收入合计
|
| | | | 167 | | | | | | 10 | | |
综合收益总额,税后净额
|
| | | $ | 1,686 | | | | | $ | 1,780 | | |
| | |
截至12月31日的三个月
|
| |||||||||
| | |
2020
|
| |
2019
|
| ||||||
Common stock | | | | | | | | | | | | | |
Balance, October 1
|
| | | $ | 42 | | | | | $ | 42 | | |
股票薪酬(2020年:发行7,500股,扣缴110股;
in 2019: 21,880 shares forfeited) |
| | | | — | | | | | | — | | |
普通股发行(分别发行3000股和878股)
|
| | | | — | | | | | | — | | |
Ending balance
|
| | | | 42 | | | | | | 42 | | |
Surplus | | | | | | | | | | | | | |
Balance, October 1
|
| | | | 63,725 | | | | | | 62,740 | | |
股票薪酬
|
| | | | 229 | | | | | | 147 | | |
Issuance of common stock
|
| | | | 66 | | | | | | 19 | | |
Ending balance
|
| | | | 64,020 | | | | | | 62,906 | | |
Retained earnings | | | | | | | | | | | | | |
Balance, October 1
|
| | | | 14,120 | | | | | | 9,146 | | |
Net income
|
| | | | 1,519 | | | | | | 1,770 | | |
Ending balance
|
| | | | 15,639 | | | | | | 10,916 | | |
累计其他综合收益,税后净额 | | | | | | | | | | | | | |
Balance, October 1
|
| | | | 156 | | | | | | 22 | | |
其他综合收益,税后净额
|
| | | | 167 | | | | | | 10 | | |
Ending balance
|
| | | | 323 | | | | | | 32 | | |
股东权益总额
|
| | | $ | 80,024 | | | | | $ | 73,896 | | |
| | |
截至12月31日的三个月
|
| |||||||||
| | |
2020
|
| |
2019
|
| ||||||
NET INCOME
|
| | | $ | 1,519 | | | | | $ | 1,770 | | |
调整以将净收入与在以下时间使用的净现金进行核对
OPERATING ACTIVITIES |
| | | | | | | | | | | | |
贷款损失准备金
|
| | | | 100 | | | | | | — | | |
折旧及摊销
|
| | | | 344 | | | | | | 326 | | |
持有待售贷款的来源
|
| | | | (12,279) | | | | | | (469) | | |
出售所持待售贷款的收益
|
| | | | 8,286 | | | | | | 474 | | |
Gain on sale of loans
|
| | | | (181) | | | | | | (563) | | |
股票薪酬
|
| | | | 229 | | | | | | 147 | | |
摊销保费、折扣、贷款费用和成本
|
| | | | (105) | | | | | | (9) | | |
债务发行成本摊销
|
| | | | 30 | | | | | | 1 | | |
无形资产摊销
|
| | | | 1 | | | | | | 1 | | |
抵押偿还权估值调整
|
| | | | 11 | | | | | | 19 | | |
Deferred tax expense
|
| | | | — | | | | | | 3 | | |
应计应收利息减少(增加)
|
| | | | 165 | | | | | | (92) | | |
Decrease in other assets
|
| | | | 827 | | | | | | 185 | | |
应计应付利息增加
|
| | | | 180 | | | | | | 21 | | |
其他负债增加(减少)
|
| | | | 716 | | | | | | (2,808) | | |
经营活动中使用的净现金
|
| | | | (157) | | | | | | (994) | | |
投资活动产生的现金流 | | | | | | | | | | | | | |
购买可供出售的证券
|
| | | | (1,200) | | | | | | — | | |
购买受限证券
|
| | | | — | | | | | | — | | |
持有至到期证券的本金偿还
|
| | | | 720 | | | | | | 259 | | |
可供出售证券的本金偿还
|
| | | | 9 | | | | | | 8 | | |
赎回受限证券
|
| | | | 469 | | | | | | 256 | | |
出售贷款的收益
|
| | | | 334 | | | | | | 20,189 | | |
Net increase in loans
|
| | | | (3,919) | | | | | | (22,415) | | |
购置房舍和设备
|
| | | | (514) | | | | | | (316) | | |
投资活动中使用的净现金
|
| | | | (4,101) | | | | | | (2,019) | | |
融资活动的现金流 | | | | | | | | | | | | | |
Net increase in deposits
|
| | | | 23,556 | | | | | | 19,238 | | |
联邦住房贷款银行预付款增加
|
| | | | — | | | | | | — | | |
偿还联邦住房贷款银行垫款
|
| | | | (10,390) | | | | | | (5,660) | | |
联邦储备银行借款增加
|
| | | | — | | | | | | — | | |
联邦储备银行借款的偿还情况
|
| | | | (250) | | | | | | — | | |
发行次级债券的收益,扣除发行成本
|
| | | | 24,455 | | | | | | — | | |
应付票据的偿还
|
| | | | (15,000) | | | | | | — | | |
普通股发行净收益
|
| | | | 66 | | | | | | 19 | | |
融资活动提供的现金净额
|
| | | | 22,437 | | | | | | 13,597 | | |
现金及现金等价物净增长
|
| | | | 18,179 | | | | | | 10,584 | | |
期初现金和现金等价物
|
| | | | 80,209 | | | | | | 87,831 | | |
现金和现金等价物,期末
|
| | | $ | 98,388 | | | | | $ | 98,415 | | |
SUPPLEMENTAL DATA:
|
| | | | | | | | | | | | |
Interest paid
|
| | | $ | 1,990 | | | | | $ | 3,678 | | |
Income taxes paid
|
| | | $ | 36 | | | | | $ | 33 | | |
补充非现金披露: | | | | ||||||||||
从投资组合贷款转移到持有待售贷款
|
| | | $ | 334 | | | | | $ | 19,628 | | |
| | |
截至12月31日的三个月
|
| |||||||||
| | |
2020
|
| |
2019
|
| ||||||
普通股基本每股收益 | | | | | | | | | | | | | |
Net income
|
| | | $ | 1,519 | | | | | $ | 1,770 | | |
加权平均已发行普通股
|
| | | | 4,180,936 | | | | | | 4,155,961 | | |
普通股基本每股收益
|
| | | $ | 0.36 | | | | | $ | 0.43 | | |
稀释后每股普通股收益 | | | | | | | | | | | | | |
Net income
|
| | | $ | 1,519 | | | | | $ | 1,770 | | |
加权平均已发行普通股
|
| | | | | | | | | | | | |
普通股基本每股收益
|
| | | | 4,180,936 | | | | | | 4,155,961 | | |
新增:股票假定行权的稀释效果
|
| | | | | | | | | | | | |
options
|
| | | | 64,633 | | | | | | 61,442 | | |
普通股和稀释潜在普通股
|
| | | | 4,245,569 | | | | | | 4,217,403 | | |
稀释后每股普通股收益
|
| | | $ | 0.36 | | | | | $ | 0.42 | | |
| | |
December 31, 2020
|
| |
September 30, 2020
|
| ||||||||||||||||||||||||||||||||||||||||||
| | |
Amortized
Cost |
| |
Gross
Unrealized Gains |
| |
Gross
Unrealized Losses |
| |
Fair
Value |
| |
Amortized
Cost |
| |
Gross
Unrealized Gains |
| |
Gross
Unrealized Losses |
| |
Fair
Value |
| ||||||||||||||||||||||||
Available for sale: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
美国GSE住房抵押贷款支持证券
|
| | | $ | 826 | | | | | $ | 131 | | | | | $ | — | | | | | $ | 957 | | | | | $ | 838 | | | | | $ | 124 | | | | | $ | — | | | | | $ | 962 | | |
Corporate bonds
|
| | | | 6,200 | | | | | | 277 | | | | | | — | | | | | | 6,477 | | | | | | 5,000 | | | | | | 73 | | | | | | — | | | | | | 5,073 | | |
可供出售的证券合计
|
| | | | 7,026 | | | | | | 408 | | | | | | — | | | | | | 7,434 | | | | | | 5,838 | | | | | | 197 | | | | | | — | | | | | | 6,035 | | |
Held to maturity: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
美国政府支持证券交易所住房抵押贷款 - 支持证券
|
| | | | 3,766 | | | | | | 99 | | | | | | — | | | | | | 3,865 | | | | | | 4,478 | | | | | | 118 | | | | | | — | | | | | | 4,596 | | |
美国政府支持证券交易所商业抵押贷款 - 支持证券
|
| | | | 2,735 | | | | | | 247 | | | | | | — | | | | | | 2,982 | | | | | | 2,749 | | | | | | 253 | | | | | | — | | | | | | 3,002 | | |
Corporate bonds
|
| | | | 3,500 | | | | | | 20 | | | | | | — | | | | | | 3,520 | | | | | | 3,500 | | | | | | 33 | | | | | | — | | | | | | 3,533 | | |
持有至到期证券合计
|
| | | | 10,001 | | | | | | 366 | | | | | | — | | | | | | 10,367 | | | | | | 10,727 | | | | | | 404 | | | | | | — | | | | | | 11,131 | | |
总投资证券
|
| | | $ | 17,027 | | | | | $ | 774 | | | | | $ | — | | | | | $ | 17,801 | | | | | $ | 16,565 | | | | | $ | 601 | | | | | $ | — | | | | | $ | 17,166 | | |
| | |
December 31, 2020
|
| |||||||||
| | |
Amortized
Cost |
| |
Fair
Value |
| ||||||
可供出售的证券: | | | | | | | | | | | | | |
Five to ten years
|
| | | $ | 6,200 | | | | | $ | 6,477 | | |
美国GSE住房抵押贷款支持证券
|
| | | | 826 | | | | | | 957 | | |
可供出售的证券总额
|
| | | | 7,026 | | | | | | 7,434 | | |
持有至到期日的证券: | | | | | | | | | | | | | |
One to five years
|
| | | | 1,500 | | | | | | 1,500 | | |
Five to ten years
|
| | | | 2,000 | | | | | | 2,020 | | |
美国GSE住房抵押贷款支持证券
|
| | | | 3,766 | | | | | | 3,865 | | |
美国GSE商业抵押贷款支持证券
|
| | | | 2,735 | | | | | | 2,982 | | |
持有至到期的证券总额
|
| | | | 10,001 | | | | | | 10,367 | | |
总投资证券
|
| | | $ | 17,027 | | | | | $ | 17,801 | | |
| | |
December 31, 2020
|
| |
September 30, 2020
|
| ||||||
住宅房地产
|
| | | $ | 445,992 | | | | | $ | 454,073 | | |
Multi-family
|
| | | | 147,043 | | | | | | 136,539 | | |
Commercial real estate
|
| | | | 115,190 | | | | | | 113,615 | | |
工商业
|
| | | | 20,497 | | | | | | 21,100 | | |
Consumer
|
| | | | 28 | | | | | | 24 | | |
Gross loans
|
| | | | 728,750 | | | | | | 725,351 | | |
Net deferred costs (fees)
|
| | | | 2 | | | | | | (332) | | |
Total loans
|
| | | | 728,752 | | | | | | 725,019 | | |
贷款损失准备
|
| | | | (7,979) | | | | | | (7,869) | | |
Total loans, net
|
| | | $ | 720,773 | | | | | $ | 717,150 | | |
| | |
Three Months Ended December 31, 2020
|
| |
Three Months Ended December 31, 2019
|
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||
| | |
Balance at
beginning of period |
| |
Charge-
offs |
| |
Recoveries
|
| |
(Credit)
provision for loan losses |
| |
Balance at
end of period |
| |
Balance at
beginning of period |
| |
Charge-
offs |
| |
Recoveries
|
| |
Provision
(credit) for loan losses |
| |
Balance at
end of period |
| ||||||||||||||||||||||||||||||
住宅房地产
|
| | | $ | 5,103 | | | | | $ | — | | | | | $ | — | | | | | $ | (9) | | | | | $ | 5,094 | | | | | $ | 4,647 | | | | | $ | — | | | | | $ | — | | | | | $ | 38 | | | | | $ | 4,685 | | |
Multi-family
|
| | | | 1,506 | | | | | | — | | | | | | — | | | | | | 113 | | | | | | 1,619 | | | | | | 1,215 | | | | | | — | | | | | | — | | | | | | (23) | | | | | | 1,192 | | |
Commercial real estate
|
| | | | 1,221 | | | | | | — | | | | | | — | | | | | | — | | | | | | 1,221 | | | | | | 1,193 | | | | | | — | | | | | | — | | | | | | (18) | | | | | | 1,175 | | |
工商业
|
| | | | 38 | | | | | | — | | | | | | 10 | | | | | | (4) | | | | | | 44 | | | | | | 75 | | | | | | — | | | | | | — | | | | | | 4 | | | | | | 79 | | |
Consumer
|
| | | | 1 | | | | | | — | | | | | | — | | | | | | — | | | | | | 1 | | | | | | 13 | | | | | | — | | | | | | — | | | | | | (1) | | | | | | 12 | | |
Total
|
| | | $ | 7,869 | | | | | $ | — | | | | | $ | 10 | | | | | $ | 100 | | | | | $ | 7,979 | | | | | $ | 7,143 | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | 7,143 | | |
| | |
贷款损失准备
|
| |
Loan Balances
|
| ||||||||||||||||||||||||||||||
December 31, 2020
|
| |
Individually
evaluated for impairment |
| |
Collectively
evaluated for impairment |
| |
Ending balance
|
| |
Individually
evaluated for impairment |
| |
Collectively
evaluated for impairment |
| |
Ending balance
|
| ||||||||||||||||||
住宅房地产
|
| | | $ | — | | | | | $ | 5,094 | | | | | $ | 5,094 | | | | | $ | 5,658 | | | | | $ | 440,226 | | | | | $ | 445,884 | | |
Multi-family
|
| | | | — | | | | | | 1,619 | | | | | | 1,619 | | | | | | 45 | | | | | | 147,221 | | | | | | 147,266 | | |
Commercial real estate
|
| | | | — | | | | | | 1,221 | | | | | | 1,221 | | | | | | 26 | | | | | | 115,332 | | | | | | 115,358 | | |
工商业
|
| | | | — | | | | | | 44 | | | | | | 44 | | | | | | — | | | | | | 20,214 | | | | | | 20,214 | | |
Consumer
|
| | | | — | | | | | | 1 | | | | | | 1 | | | | | | — | | | | | | 30 | | | | | | 30 | | |
Total
|
| | | $ | — | | | | | $ | 7,979 | | | | | $ | 7,979 | | | | | $ | 5,729 | | | | | $ | 723,023 | | | | | $ | 728,752 | | |
| | |
贷款损失准备
|
| |
Loan Balances
|
| ||||||||||||||||||||||||||||||
September 30, 2020
|
| |
Individually
evaluated for impairment |
| |
Collectively
evaluated for impairment |
| |
Ending balance
|
| |
Individually
evaluated for impairment |
| |
Collectively
impairment evaluated for |
| |
Ending balance
|
| ||||||||||||||||||
住宅房地产
|
| | | $ | — | | | | | $ | 5,103 | | | | | $ | 5,103 | | | | | $ | 2,221 | | | | | $ | 451,539 | | | | | $ | 453,760 | | |
Multi-family
|
| | | | — | | | | | | 1,506 | | | | | | 1,506 | | | | | | 47 | | | | | | 136,690 | | | | | | 136,737 | | |
Commercial real estate
|
| | | | — | | | | | | 1,221 | | | | | | 1,221 | | | | | | 629 | | | | | | 113,129 | | | | | | 113,758 | | |
工商业
|
| | | | — | | | | | | 38 | | | | | | 38 | | | | | | 334 | | | | | | 20,404 | | | | | | 20,738 | | |
Consumer
|
| | | | — | | | | | | 1 | | | | | | 1 | | | | | | — | | | | | | 26 | | | | | | 26 | | |
Total
|
| | | $ | — | | | | | $ | 7,869 | | | | | $ | 7,869 | | | | | $ | 3,231 | | | | | $ | 721,788 | | | | | $ | 725,019 | | |
| | |
December 31, 2020
|
| |
September 30, 2020
|
| ||||||||||||||||||||||||||||||
| | |
Unpaid
Principal Balance |
| |
Recorded
Investment |
| |
Allowance
Allocated |
| |
Unpaid
Principal Balance |
| |
Recorded
Investment |
| |
Allowance
Allocated |
| ||||||||||||||||||
未记录相关津贴: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
住宅房地产
|
| | | $ | 5,658 | | | | | $ | 5,658 | | | | | $ | — | | | | | $ | 2,221 | | | | | $ | 2,221 | | | | | $ | — | | |
Multi-family
|
| | | | 45 | | | | | | 45 | | | | | | — | | | | | | 47 | | | | | | 47 | | | | | | — | | |
Commercial real estate
|
| | | | 26 | | | | | | 26 | | | | | | — | | | | | | 629 | | | | | | 629 | | | | | | — | | |
工商业
|
| | | | — | | | | | | — | | | | | | — | | | | | | 634 | | | | | | 334 | | | | | | — | | |
Total
|
| | | $ | 5,729 | | | | | $ | 5,729 | | | | | $ | — | | | | | $ | 3,531 | | | | | $ | 3,231 | | | | | $ | — | | |
| | |
截至12月31日的三个月
|
| |||||||||||||||||||||
| | |
2020
|
| |
2019
|
| ||||||||||||||||||
| | |
Average
recorded investment |
| |
Interest
income recognized(1) |
| |
Average
recorded investment |
| |
Interest
income recognized(1) |
| ||||||||||||
住宅房地产
|
| | | $ | 5,655 | | | | | $ | 22 | | | | | $ | 1,712 | | | | | $ | 21 | | |
Multi-family
|
| | | | 46 | | | | | | 1 | | | | | | 78 | | | | | | 4 | | |
Commercial real estate
|
| | | | 28 | | | | | | 1 | | | | | | 361 | | | | | | 6 | | |
工商业
|
| | | | — | | | | | | — | | | | | | 634 | | | | | | — | | |
Total
|
| | | $ | 5,729 | | | | | $ | 24 | | | | | $ | 2,785 | | | | | $ | 31 | | |
| | |
Past Due and Non-Accrual
|
| | | | | | | | | | | | | |||||||||||||||||||||||||||
December 31, 2020
|
| |
30 – 59 days
past due and accruing |
| |
60 – 89 days
past due and accruing |
| |
90 days and
over past due and accruing |
| |
Non-accrual
|
| |
Total past due
and non- accrual |
| |
Current
|
| |
Total
|
| |||||||||||||||||||||
住宅房地产
|
| | | $ | 3,672 | | | | | $ | — | | | | | $ | — | | | | | $ | 3,982 | | | | | $ | 7,654 | | | | | $ | 438,230 | | | | | $ | 445,884 | | |
Multi-family
|
| | | | — | | | | | | — | | | | | | — | | | | | | 45 | | | | | | 45 | | | | | | 147,221 | | | | | | 147,266 | | |
Commercial real estate
|
| | | | 1,342 | | | | | | — | | | | | | 318 | | | | | | 26 | | | | | | 1,686 | | | | | | 113,672 | | | | | | 115,358 | | |
工商业
|
| | | | 103 | | | | | | — | | | | | | — | | | | | | — | | | | | | 103 | | | | | | 20,111 | | | | | | 20,214 | | |
Consumer
|
| | | | 6 | | | | | | — | | | | | | — | | | | | | — | | | | | | 6 | | | | | | 24 | | | | | | 30 | | |
Total
|
| | | $ | 5,123 | | | | | $ | — | | | | | $ | 318 | | | | | $ | 4,053 | | | | | $ | 9,494 | | | | | $ | 719,258 | | | | | $ | 728,752 | | |
| | |
Past Due and Non-Accrual
|
| | | | | | | | | | | | | |||||||||||||||||||||||||||
September 30, 2020
|
| |
30 – 59 days
past due and accruing |
| |
60 – 89 days
past due and accruing |
| |
90 days and
over past due and accruing |
| |
Non-accrual
|
| |
Total past due
and non- accrual |
| |
Current
|
| |
Total
|
| |||||||||||||||||||||
住宅房地产
|
| | | $ | 4,507 | | | | | $ | — | | | | | $ | — | | | | | $ | 538 | | | | | $ | 5,045 | | | | | $ | 448,715 | | | | | $ | 453,760 | | |
Multi-family
|
| | | | — | | | | | | — | | | | | | — | | | | | | 47 | | | | | | 47 | | | | | | 136,690 | | | | | | 136,737 | | |
Commercial real estate
|
| | | | — | | | | | | — | | | | | | 296 | | | | | | 34 | | | | | | 330 | | | | | | 113,428 | | | | | | 113,758 | | |
工商业
|
| | | | — | | | | | | — | | | | | | — | | | | | | 334 | | | | | | 334 | | | | | | 20,404 | | | | | | 20,738 | | |
Consumer
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 26 | | | | | | 26 | | |
Total
|
| | | $ | 4,507 | | | | | $ | — | | | | | $ | 296 | | | | | $ | 953 | | | | | $ | 5,756 | | | | | $ | 719,263 | | | | | $ | 725,019 | | |
| | |
December 31, 2020
|
| |
September 30, 2020
|
| ||||||||||||||||||||||||||||||||||||||||||
| | |
Grade
|
| |
Grade
|
| ||||||||||||||||||||||||||||||||||||||||||
| | |
Pass
|
| |
Special
mention |
| |
Substandard
|
| |
Total
|
| |
Pass
|
| |
Special
mention |
| |
Substandard
|
| |
Total
|
| ||||||||||||||||||||||||
住宅房地产
|
| | | $ | 437,315 | | | | | $ | 4,586 | | | | | $ | 3,983 | | | | | $ | 445,884 | | | | | $ | 449,524 | | | | | $ | 2,893 | | | | | $ | 1,343 | | | | | $ | 453,760 | | |
Multi-family
|
| | | | 141,896 | | | | | | 5,326 | | | | | | 44 | | | | | | 147,266 | | | | | | 135,396 | | | | | | 1,294 | | | | | | 47 | | | | | | 136,737 | | |
Commercial real estate
|
| | | | 112,593 | | | | | | 1,352 | | | | | | 1,413 | | | | | | 115,358 | | | | | | 111,457 | | | | | | 893 | | | | | | 1,408 | | | | | | 113,758 | | |
工商业
|
| | | | 20,214 | | | | | | — | | | | | | — | | | | | | 20,214 | | | | | | 20,404 | | | | | | — | | | | | | 334 | | | | | | 20,738 | | |
Consumer
|
| | | | 30 | | | | | | — | | | | | | — | | | | | | 30 | | | | | | 26 | | | | | | — | | | | | | — | | | | | | 26 | | |
Total
|
| | | $ | 712,048 | | | | | $ | 11,264 | | | | | $ | 5,440 | | | | | $ | 728,752 | | | | | $ | 716,807 | | | | | $ | 5,080 | | | | | $ | 3,132 | | | | | $ | 725,019 | | |
| | |
Number of
Options |
| |
Weighted-
Average Exercise Price Per Share |
| |
Aggregate
Intrinsic Value |
| |
Weighted-
Average Remaining Contractual Term |
| ||||||||||||
Outstanding, October 1, 2020
|
| | | | 155,506 | | | | | $ | 11.35 | | | | | $ | 1,623 | | | | | | 4.66年 | | |
Granted
|
| | | | — | | | | | | — | | | | | | | | | | | | | | |
Exercised
|
| | | | — | | | | | | — | | | | | | | | | | | | | | |
Forfeited
|
| | | | — | | | | | | — | | | | | | | | | | | | | | |
Outstanding, December 31, 2020(1)
|
| | | | 155,506 | | | | | $ | 11.35 | | | | | $ | 1,656 | | | | | | 4.41年 | | |
| | |
Number of
Shares |
| |
Weighted-
Average Grant Date Fair Value |
| ||||||
Unvested, October 1, 2020
|
| | | | 95,052 | | | | | $ | 19.56 | | |
Granted
|
| | | | 7,500 | | | | | | 21.86 | | |
Vested
|
| | | | (333) | | | | | | 18.95 | | |
Forfeited
|
| | | | — | | | | | | — | | |
Unvested, December 31, 2020
|
| | | | 102,219 | | | | | $ | 19.73 | | |
| | |
Actual
|
| |
Required for
capital adequacy purposes |
| |
Excess of amount
required for capital adequacy purposes(1) |
| |
To be Well
Capitalized under prompt corrective action regulations |
| ||||||||||||||||||||||||||||||||||||
December 31, 2020
|
| |
Amount
|
| |
Ratio
|
| |
Amount
|
| |
Ratio
|
| |
Amount
|
| |
Ratio
|
| |
Amount
|
| |
Ratio
|
| ||||||||||||||||||||||||
总资本与风险加权资产之比
|
| | | $ | 106,392 | | | | | | 22.75% | | | | | $ | 37,415 | | | | | | 8.00% | | | | | $ | 68,977 | | | | | | 14.75% | | | | | $ | 46,769 | | | | | | 10.00% | | |
一级资本与风险加权资产的比例
|
| | | | 100,518 | | | | | | 21.49% | | | | | | 28,061 | | | | | | 6.00% | | | | | | 72,457 | | | | | | 15.49% | | | | | | 37,415 | | | | | | 8.00% | | |
普通股一级资本至
risk-weighted assets |
| | | | 100,518 | | | | | | 21.49% | | | | | | 21,046 | | | | | | 4.50% | | | | | | 79,472 | | | | | | 16.99% | | | | | | 30,400 | | | | | | 6.50% | | |
一级资本与调整后平均资产之比(杠杆率)
|
| | | | 100,518 | | | | | | 12.04% | | | | | | 33,384 | | | | | | 4.00% | | | | | | 不适用 | | | | | | 不适用 | | | | | | 41,730 | | | | | | 5.00% | | |
September 30, 2020 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
总资本与风险加权资产之比
|
| | | $ | 95,079 | | | | | | 20.57% | | | | | $ | 36,970 | | | | | | 8.00% | | | | | $ | 58,109 | | | | | | 12.57% | | | | | $ | 46,212 | | | | | | 10.00% | | |
一级资本与风险加权资产的比例
|
| | | | 89,275 | | | | | | 19.32% | | | | | | 27,727 | | | | | | 6.00% | | | | | | 61,548 | | | | | | 13.32% | | | | | | 36,970 | | | | | | 8.00% | | |
普通股一级资本至
risk-weighted assets |
| | | | 89,275 | | | | | | 19.32% | | | | | | 20,796 | | | | | | 4.50% | | | | | | 68,479 | | | | | | 14.82% | | | | | | 30,038 | | | | | | 6.50% | | |
一级资本与调整后平均资产之比(杠杆率)
|
| | | | 89,275 | | | | | | 11.22% | | | | | | 31,820 | | | | | | 4.00% | | | | | | 不适用 | | | | | | 不适用 | | | | | | 39,775 | | | | | | 5.00% | | |
| | | | | | | | |
使用
计量公允价值
|
| |||||||||
Assets:
|
| |
December 31, 2020
|
| |
Significant Other
Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| |||||||||
可供出售的证券: | | | | | | | | | | | | | | | | | | | |
美国GSE住房抵押贷款支持证券
|
| | | $ | 957 | | | | | $ | 957 | | | | | $ | — | | |
Corporate bonds
|
| | | | 6,477 | | | | | | 6,477 | | | | | | — | | |
抵押偿还权
|
| | | | 144 | | | | | | — | | | | | | 144 | | |
Total
|
| | | $ | 7,578 | | | | | $ | 7,434 | | | | | $ | 144 | | |
| | | | | | | | |
使用
计量公允价值
|
| |||||||||
Assets:
|
| |
September 30, 2020
|
| |
Significant Other
Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| |||||||||
可供出售的证券: | | | | | | | | | | | | | | | | | | | |
美国GSE住房抵押贷款支持证券
|
| | | $ | 962 | | | | | $ | 962 | | | | | $ | — | | |
Corporate bonds
|
| | | | 5,073 | | | | | | 5,073 | | | | | | — | | |
抵押偿还权
|
| | | | 155 | | | | | | — | | | | | | 155 | | |
Total
|
| | | $ | 6,190 | | | | | $ | 6,035 | | | | | $ | 155 | | |
| | |
截至12月31日的三个月
|
| |||||||||
| | |
2020
|
| |
2019
|
| ||||||
Balance, October 1
|
| | | $ | 155 | | | | | $ | 266 | | |
Adjustment to fair value
|
| | | | (11) | | | | | | (19) | | |
Balance, December 31
|
| | | $ | 144 | | | | | $ | 247 | | |
| | | | | | | | |
使用
计量公允价值
|
| | | | | | | |||||||||||||||
December 31, 2020
|
| |
Carrying
Amount |
| |
Quoted Prices in
Active Markets for Identical Assets (Level 1) |
| |
Significant Other
Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| |
Total Fair
Value |
| |||||||||||||||
Financial Assets: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
现金和现金等价物
|
| | | $ | 98,388 | | | | | $ | 98,388 | | | | | $ | — | | | | | $ | — | | | | | $ | 98,388 | | |
持有至到期的证券
|
| | | | 10,001 | | | | | | — | | | | | | 10,367 | | | | | | — | | | | | | 10,367 | | |
Loans, net
|
| | | | 724,923 | | | | | | — | | | | | | — | | | | | | 752,864 | | | | | | 752,864 | | |
应计应收利息
|
| | | | 6,601 | | | | | | — | | | | | | 92 | | | | | | 6,509 | | | | | | 6,601 | | |
财务负债: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Time deposits
|
| | | | 376,877 | | | | | | — | | | | | | 379,140 | | | | | | — | | | | | | 379,140 | | |
活期存款和其他存款
|
| | | | 311,439 | | | | | | 311,439 | | | | | | — | | | | | | — | | | | | | 311,439 | | |
Borrowings
|
| | | | 74,514 | | | | | | — | | | | | | 75,055 | | | | | | — | | | | | | 75,005 | | |
次级债券
|
| | | | 24,468 | | | | | | — | | | | | | 25,969 | | | | | | — | | | | | | 25,969 | | |
应计应付利息
|
| | | | 554 | | | | | | 1 | | | | | | 553 | | | | | | — | | | | | | 554 | | |
| | | | | | | | |
使用
计量公允价值
|
| | | | | | | |||||||||||||||
September 30, 2020
|
| |
Carrying
Amount |
| |
Quoted Prices in
Active Markets for Identical Assets (Level 1) |
| |
Significant Other
Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| |
Total Fair
Value |
| |||||||||||||||
Financial Assets: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
现金和现金等价物
|
| | | $ | 80,209 | | | | | $ | 80,209 | | | | | | — | | | | | | — | | | | | $ | 80,209 | | |
持有至到期的证券
|
| | | | 10,727 | | | | | | — | | | | | | 11,131 | | | | | | — | | | | | | 11,131 | | |
Loans, net
|
| | | | 717,150 | | | | | | — | | | | | | — | | | | | | 746,969 | | | | | | 746,969 | | |
应计应收利息
|
| | | | 6,766 | | | | | | — | | | | | | 218 | | | | | | 6,548 | | | | | | 6,766 | | |
财务负债: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Time deposits
|
| | | | 394,753 | | | | | | — | | | | | | 397,842 | | | | | | — | | | | | | 397,842 | | |
活期存款和其他存款
|
| | | | 270,007 | | | | | | 270,007 | | | | | | — | | | | | | — | | | | | | 270,007 | | |
Borrowings
|
| | | | 85,154 | | | | | | — | | | | | | 87,052 | | | | | | — | | | | | | 87,052 | | |
Note payable
|
| | | | 14,984 | | | | | | — | | | | | | — | | | | | | 15,329 | | | | | | 15,329 | | |
应计应付利息
|
| | | | 374 | | | | | | 1 | | | | | | 339 | | | | | | 34 | | | | | | 374 | | |
| | |
At December 31, 2020
|
| |||||||||
Maturity
|
| |
Amount
|
| |
Weighted
Average Rate |
| ||||||
2021
|
| | | $ | 24,367 | | | | | | 1.57% | | |
2022
|
| | | | 4,000 | | | | | | 2.02% | | |
2023
|
| | | | 4,300 | | | | | | 1.15% | | |
2024
|
| | | | 18,860 | | | | | | 0.98% | | |
2025
|
| | | | 7,080 | | | | | | 0.58% | | |
| | | | $ | 58,607 | | | | | | 1.26% | | |
|
![]() |
| | | |
| | | |
Crowe LLP
克劳全球独立成员 |
|
| | | |
![]() |
|
| | | | Crowe LLP | |
|
我们自2019年以来一直担任本公司的审计师。
|
| | ||
|
Livingston, New Jersey
January 13, 2021 |
| |
| | |
2020
|
| |
2019
|
| ||||||
ASSETS | | | | | | | | | | | | | |
银行应付的现金和无息存款
|
| | | $ | 6,239 | | | | | $ | 6,100 | | |
银行到期的有息存款
|
| | |
|
73,970
|
| | | | | 60,175 | | |
Federal funds sold
|
| | |
|
—
|
| | | | | 21,556 | | |
现金和现金等价物合计
|
| | |
|
80,209
|
| | | | | 87,831 | | |
Securities: | | | | | | | | | | | | | |
持有至到期(公允价值分别为11,131美元和12,191美元)
|
| | |
|
10,727
|
| | | | | 12,030 | | |
可供出售,按公允价值出售
|
| | |
|
6,035
|
| | | | | 911 | | |
Total securities
|
| | |
|
16,762
|
| | | | | 12,941 | | |
持有用于投资的贷款
|
| | |
|
725,019
|
| | | |
|
720,442
|
| |
贷款损失准备
|
| | |
|
(7,869)
|
| | | |
|
(7,143)
|
| |
Loans, net
|
| | |
|
717,150
|
| | | |
|
713,299
|
| |
房舍和设备,净额
|
| | |
|
14,156
|
| | | | | 14,406 | | |
应计应收利息
|
| | |
|
6,766
|
| | | | | 3,265 | | |
Prepaid pension
|
| | |
|
4,660
|
| | | | | 4,416 | | |
受限证券,按成本计算
|
| | |
|
4,202
|
| | | | | 5,559 | | |
Goodwill
|
| | |
|
1,901
|
| | | | | 1,482 | | |
Other assets
|
| | |
|
5,800
|
| | | | | 5,637 | | |
Total Assets
|
| | | $ | 851,606 | | | | | $ | 848,836 | | |
负债和股东权益 | | | | | | | | | | | | | |
Deposits | | | | | | | | | | | | | |
无息需求
|
| | | $ | 82,350 | | | | |
$
|
69,606
|
| |
储蓄、现在和货币市场存款
|
| | |
|
187,657
|
| | | |
|
195,166
|
| |
Time deposits
|
| | |
|
394,753
|
| | | |
|
385,514
|
| |
Total deposits
|
| | |
|
664,760
|
| | | |
|
650,286
|
| |
Borrowings
|
| | |
|
85,154
|
| | | |
|
100,745
|
| |
Note payable
|
| | |
|
14,984
|
| | | |
|
14,981
|
| |
应计应付利息
|
| | |
|
374
|
| | | |
|
531
|
| |
Other liabilities
|
| | |
|
8,291
|
| | | |
|
10,343
|
| |
Total Liabilities
|
| | | | 773,563 | | | | | | 776,886 | | |
承付款和或有负债 - 见附注(11) | | | | | | | | | | | | | |
Stockholders’ Equity | | | | | | | | | | | | | |
优先股,每股面值0.01美元;(授权发行1500万股,未发行)
|
| | |
|
—
|
| | | |
|
—
|
| |
普通股,每股面值0.01美元;(授权发行17,000,000股;已发行和已发行股票分别为4,175,144股和4,162,904股)
|
| | |
|
42
|
| | | | | 42 | | |
Surplus
|
| | |
|
63,725
|
| | | | | 62,740 | | |
Retained earnings
|
| | |
|
14,120
|
| | | | | 9,146 | | |
累计其他综合收益
|
| | |
|
156
|
| | | | | 22 | | |
股东权益合计
|
| | |
|
78,043
|
| | | | | 71,950 | | |
总负债和股东权益
|
| | | $ | 851,606 | | | | | $ | 848,836 | | |
| | |
For the Year Ended September 30,
|
| |||||||||
| | |
2020
|
| |
2019
|
| ||||||
Interest income: | | | | | | | | | | | | | |
Loans
|
| | | $ | 38,641 | | | | | $ | 32,660 | | |
Taxable securities
|
| | |
|
523
|
| | | | | 427 | | |
Federal funds sold
|
| | |
|
107
|
| | | | | 486 | | |
Other
|
| | |
|
862
|
| | | | | 924 | | |
Total interest income
|
| | |
|
40,133
|
| | | | | 34,497 | | |
Interest expense: | | | | | | | | | | | | | |
储蓄、现在和货币市场存款
|
| | |
|
1,445
|
| | | | | 2,510 | | |
Time deposits
|
| | |
|
9,180
|
| | | | | 6,725 | | |
Borrowings
|
| | |
|
2,386
|
| | | | | 2,841 | | |
Total interest expense
|
| | |
|
13,011
|
| | | | | 12,076 | | |
Net interest income
|
| | |
|
27,122
|
| | | | | 22,421 | | |
贷款损失准备金
|
| | |
|
1,250
|
| | | | | 650 | | |
计提贷款损失准备后的净利息收入
|
| | |
|
25,872
|
| | | | | 21,771 | | |
Non-interest income: | | | | | | | | | | | | | |
贷款费和手续费
|
| | |
|
301
|
| | | | | 185 | | |
按揭还本付息收入
|
| | |
|
84
|
| | | | | 160 | | |
存款账户手续费
|
| | |
|
62
|
| | | | | 64 | | |
出售持有待售贷款的收益
|
| | |
|
917
|
| | | | | 4,361 | | |
非利息收入总额
|
| | |
|
1,364
|
| | | | | 4,770 | | |
非利息支出: | | | | | | | | | | | | | |
工资和员工福利
|
| | |
|
11,182
|
| | | | | 9,041 | | |
入住率和设备
|
| | |
|
4,462
|
| | | | | 2,835 | | |
Data processing
|
| | |
|
911
|
| | | | | 662 | | |
广告和促销
|
| | |
|
296
|
| | | | | 487 | | |
Acquisition costs
|
| | |
|
450
|
| | | | | 737 | | |
Professional fees
|
| | |
|
2,070
|
| | | | | 775 | | |
Other
|
| | |
|
1,651
|
| | | | | 1,350 | | |
非利息支出总额
|
| | |
|
21,022
|
| | | | | 15,887 | | |
所得税前收入支出
|
| | |
|
6,214
|
| | | | | 10,654 | | |
Income tax expense
|
| | |
|
1,240
|
| | | | | 2,569 | | |
Net Income
|
| | | $ | 4,974 | | | | | $ | 8,085 | | |
Earnings Per Share | | | | | | | | | | | | | |
Basic
|
| | | $ | 1.20 | | | | | $ | 2.10 | | |
Diluted
|
| | | $ | 1.18 | | | | | $ | 2.06 | | |
| | |
For the Year Ended September 30,
|
| |||||||||
| | |
2020
|
| |
2019
|
| ||||||
Net income
|
| | | $ | 4,974 | | | | | $ | 8,085 | | |
其他综合收益: | | | | | | | | | | | | | |
可供出售的证券未实现持有收益净额,分别扣除35美元和8美元的所得税
|
| | |
|
134
|
| | | | | 33 | | |
其他综合收益合计
|
| | |
|
134
|
| | | | | 33 | | |
Comprehensive income
|
| | | $ | 5,108 | | | | | $ | 8,118 | | |
| | |
Common
Stock |
| |
Surplus
|
| |
Retained
Earnings |
| |
Accumulated
Other Comprehensive (Loss) Income |
| |
Total
|
| |||||||||||||||
Balance at October 1, 2018
|
| | | $ | 36 | | | | | $ | 53,144 | | | | | $ | 1,061 | | | | | $ | (11) | | | | | $ | 54,230 | | |
Net income
|
| | | | — | | | | | | — | | | | | | 8,085 | | | | | | — | | | | | | 8,085 | | |
收购唐人街联邦储蓄银行时发行的股份(187,242股)
|
| | | | 2 | | | | | | 4,078 | | | | | | — | | | | | | — | | | | | | 4,080 | | |
股票薪酬(121,642股)
|
| | | | 1 | | | | | | 415 | | | | | | — | | | | | | — | | | | | | 416 | | |
行使股票期权(6,000股)
|
| | | | — | | | | | | 60 | | | | | | — | | | | | | — | | | | | | 60 | | |
普通股发行,净额(265,543股)
|
| | | | 3 | | | | | | 5,043 | | | | | | — | | | | | | — | | | | | | 5,046 | | |
其他综合收益
|
| | | | — | | | | | | — | | | | | | — | | | | | | 33 | | | | | | 33 | | |
Balance at September 30, 2019
|
| | | $ | 42 | | | | | $ | 62,740 | | | | | $ | 9,146 | | | | | $ | 22 | | | | | $ | 71,950 | | |
Net income
|
| | | | — | | | | | | — | | | | | | 4,974 | | | | | | — | | | | | | 4,974 | | |
股票薪酬(已发行25,341股,没收28,287股,扣留651股)
|
| | | | — | | | | | | 766 | | | | | | — | | | | | | — | | | | | | 766 | | |
行使股票期权(10,735股)
|
| | | | — | | | | | | 107 | | | | | | — | | | | | | — | | | | | | 107 | | |
普通股发行,净额(5,102股)
|
| | | | — | | | | | | 112 | | | | | | — | | | | | | — | | | | | | 112 | | |
其他综合收益
|
| | | | — | | | | | | — | | | | | | — | | | | | | 134 | | | | | | 134 | | |
Balance at September 30, 2020
|
| | | $ | 42 | | | | | $ | 63,725 | | | | | $ | 14,120 | | | | | $ | 156 | | | | | $ | 78,043 | | |
| | |
截至9月30日的年度
|
| |||||||||
| | |
2020
|
| |
2019
|
| ||||||
经营活动现金流: | | | | | | | | | | | | | |
Net income
|
| | |
$
|
4,974
|
| | | | $ | 8,085 | | |
将净收益与经营活动提供(用于)的现金净额进行调整:
|
| | | | | | | | | | | | |
贷款损失准备金
|
| | |
|
1,250
|
| | | | | 650 | | |
折旧及摊销
|
| | |
|
1,343
|
| | | | | 711 | | |
持有待售贷款的来源
|
| | |
|
(5,337)
|
| | | | | (926) | | |
出售所持待售贷款的收益
|
| | |
|
5,338
|
| | | | | 925 | | |
Gain on sale of loans
|
| | |
|
(917)
|
| | | | | (4,361) | | |
基于股票的薪酬
|
| | |
|
766
|
| | | | | 416 | | |
摊销保费、折扣以及贷款手续费和成本
|
| | |
|
(282)
|
| | | | | (193) | | |
债务发行成本摊销
|
| | |
|
3
|
| | | | | 3 | | |
无形资产摊销
|
| | |
|
5
|
| | | | | — | | |
房屋和设备销售损失
|
| | |
|
—
|
| | | | | 105 | | |
抵押贷款偿还权估值调整
|
| | |
|
111
|
| | | | | 138 | | |
Deferred tax expense
|
| | |
|
202
|
| | | | | 217 | | |
应计应收利息增加
|
| | |
|
(3,501)
|
| | | | | (432) | | |
(减少)其他资产增加
|
| | |
|
(1,180)
|
| | | | | 135 | | |
应计应付利息减少
|
| | |
|
(157)
|
| | | | | (527) | | |
(减少)其他负债增加
|
| | |
|
(2,052)
|
| | | | | 3,013 | | |
经营活动提供的现金净额
|
| | |
|
566
|
| | | | | 7,959 | | |
投资活动现金流: | | | | | | | | | | | | | |
购买可供出售的证券
|
| | |
|
(5,000)
|
| | | | | (1,893) | | |
购买受限证券
|
| | |
|
(1,155)
|
| | | | | (1,553) | | |
持有至到期证券的本金偿还
|
| | |
|
1,288
|
| | | | | 888 | | |
可供出售证券的本金偿还
|
| | |
|
34
|
| | | | | 1,163 | | |
赎回受限证券
|
| | |
|
2,513
|
| | | | | 1,840 | | |
出售贷款的收益
|
| | |
|
32,561
|
| | | | | 198,414 | | |
Net increase in loans
|
| | |
|
(36,438)
|
| | | | | (257,684) | | |
出售房舍和设备的收益
|
| | |
|
—
|
| | | | | 198 | | |
购置房舍和设备
|
| | |
|
(1,093)
|
| | | | | (1,521) | | |
收购CFSB时获得的现金和现金等价物
|
| | |
|
—
|
| | | | | 23,853 | | |
收购CFSB支付的现金对价
|
| | |
|
—
|
| | | | | (9,520) | | |
投资活动中使用的净现金
|
| | |
|
(7,290)
|
| | | | | (45,815) | | |
| | |
截至9月30日的年度
|
| |||||||||
| | |
2020
|
| |
2019
|
| ||||||
融资活动的现金流: | | | | | | | | | | | | | |
Net increase in deposits
|
| | |
|
14,474
|
| | | | | 72,258 | | |
联邦住房贷款银行预付款增加
|
| | |
|
23,940
|
| | | | | 25,000 | | |
偿还联邦住房贷款银行垫款
|
| | |
|
(55,688)
|
| | | | | (33,773) | | |
联邦储备银行借款增加
|
| | |
|
16,255
|
| | | | | — | | |
联邦储备银行借款的偿还情况
|
| | |
|
(98)
|
| | | | | — | | |
行使股票期权的净收益
|
| | |
|
107
|
| | | | | 60 | | |
普通股发行净收益
|
| | |
|
112
|
| | | | | 5,046 | | |
融资活动提供的现金净额(用于)
|
| | |
|
(898)
|
| | | | | 68,591 | | |
现金及现金等价物净(减)增
|
| | |
|
(7,622)
|
| | | | | 30,735 | | |
期初现金及现金等价物
|
| | |
|
87,831
|
| | | | | 57,096 | | |
期末现金和现金等价物
|
| | |
$
|
80,209
|
| | | | $ | 87,831 | | |
补充现金流信息: | | | | | | | | | | | | | |
Interest paid:
|
| | |
$
|
13,168
|
| | | | $ | 11,950 | | |
Income taxes paid
|
| | |
$
|
1,243
|
| | | | $ | 2,582 | | |
补充非现金披露 | | | | | | | | | | | | | |
从投资组合贷款转移到持有待售贷款
|
| | |
$
|
31,668
|
| | | | $ | 194,979 | | |
收购非现金资产和负债 | | | | | | | | | | | | | |
收购的非现金资产: | | | | | | | | | | | | | |
用于投资的贷款
|
| | |
$
|
—
|
| | | | $ | 94,520 | | |
Prepaid pension
|
| | |
|
—
|
| | | | | 4,416 | | |
房舍和设备,净额
|
| | |
|
—
|
| | | | | 56 | | |
应计应收利息
|
| | |
|
—
|
| | | | | 424 | | |
FHLB stock
|
| | |
|
—
|
| | | | | 117 | | |
Deferred tax asset
|
| | |
|
(324)
|
| | | | | 1,178 | | |
Other assets
|
| | |
|
—
|
| | | | | 4,215 | | |
收购的非现金资产总额
|
| | |
|
(324)
|
| | | | | 104,926 | | |
承担的负债: | | | | | | | | | | | | | |
Deposits
|
| | |
|
—
|
| | | | | 109,905 | | |
应计应付利息
|
| | |
|
95
|
| | | | | 653 | | |
Other liabilities
|
| | |
|
—
|
| | | | | 4,621 | | |
承担的总负债
|
| | |
|
95
|
| | | | | 115,179 | | |
收购的非现金资产净值
|
| | |
|
(419)
|
| | | | | (10,253) | | |
收购中获得的现金和现金等价物
|
| | |
|
—
|
| | | | | 23,853 | | |
已支付总对价
|
| | |
|
—
|
| | | | $ | 13,600 | | |
|
| | |
September 30, 2020
|
| |||||||||||||||||||||
| | |
Amortized
Cost |
| |
Gross
Unrealized Gains |
| |
Gross
Unrealized Losses |
| |
Fair Value
|
| ||||||||||||
| | |
(in thousands)
|
| |||||||||||||||||||||
Available for sale: | | | | | | | | | | | | | | | | | | | | | | | | | |
美国GSE住房抵押贷款支持证券
|
| | | $ | 838 | | | | | $ | 124 | | | | | $ | — | | | | | $ | 962 | | |
Corporate bonds
|
| | |
|
5,000
|
| | | |
|
73
|
| | | |
|
—
|
| | | |
|
5,073
|
| |
Total available for sale
|
| | | $ | 5,838 | | | | | $ | 197 | | | | | $ | — | | | | | $ | 6,035 | | |
Held to maturity: | | | | | | | | | | | | | | | | | | | | | | | | | |
美国GSE住房抵押贷款支持证券
|
| | | $ | 4,478 | | | | | $ | 118 | | | | | $ | — | | | | | $ | 4,596 | | |
美国GSE商业抵押贷款支持证券
|
| | |
|
2,749
|
| | | |
|
253
|
| | | |
|
—
|
| | | |
|
3,002
|
| |
Corporate bonds
|
| | |
|
3,500
|
| | | |
|
33
|
| | | |
|
—
|
| | | |
|
3,533
|
| |
Total held to maturity
|
| | |
|
10,727
|
| | | |
$
|
404
|
| | | |
|
—
|
| | | |
$
|
11,131
|
| |
Total securities
|
| | |
$
|
16,565
|
| | | |
$
|
601
|
| | | |
$
|
—
|
| | | |
$
|
17,166
|
| |
| | |
September 30, 2019
|
| |||||||||||||||||||||
| | |
Amortized
Cost |
| |
Gross
Unrealized Gains |
| |
Gross
Unrealized Losses |
| |
Fair Value
|
| ||||||||||||
| | |
(in thousands)
|
| |||||||||||||||||||||
Available for sale: | | | | | | | | | | | | | | | | | | | | | | | | | |
美国GSE住房抵押贷款支持证券
|
| | | $ | 883 | | | | | $ | 28 | | | | | $ | — | | | | | $ | 911 | | |
Total available for sale
|
| | | $ | 883 | | | | | $ | 28 | | | | | $ | — | | | | | $ | 911 | | |
Held to maturity: | | | | | | | | | | | | | | | | | | | | | | | | | |
美国GSE住房抵押贷款支持证券
|
| | | $ | 5,729 | | | | | $ | 20 | | | | | $ | (1) | | | | | $ | 5,748 | | |
美国GSE商业抵押贷款支持证券
|
| | | | 2,801 | | | | | | 103 | | | | | | — | | | | | | 2,904 | | |
Corporate bonds
|
| | | | 3,500 | | | | | | 39 | | | | | | — | | | | | | 3,539 | | |
Total held to maturity
|
| | | | 12,030 | | | | | $ | 162 | | | | | | (1) | | | | | $ | 12,191 | | |
Total securities
|
| | | $ | 12,913 | | | | | $ | 190 | | | | | $ | (1) | | | | | $ | 13,102 | | |
| | |
September 30, 2020
|
| |||||||||
| | |
Available for Sale
|
| |||||||||
| | |
Amortized Cost
|
| |
Fair Value
|
| ||||||
| | |
(in thousands)
|
| |||||||||
Within one year
|
| | | $ | — | | | | | $ | — | | |
One to five years
|
| | | | — | | | | | | — | | |
Five to ten years
|
| | | | 5,000 | | | | | | 5,073 | | |
Beyond ten years
|
| | | | — | | | | | | — | | |
抵押贷款支持证券 - 住宅
|
| | | | 838 | | | | | | 962 | | |
Total
|
| | | $ | 5,838 | | | | | $ | 6,035 | | |
| | |
Held to Maturity
|
| |||||||||
| | |
Amortized Cost
|
| |
Fair Value
|
| ||||||
| | |
(in thousands)
|
| |||||||||
Within one year
|
| | | $ | — | | | | | $ | — | | |
One to five years
|
| | | | — | | | | | | — | | |
Five to ten years
|
| | | | 3,500 | | | | | | 3,533 | | |
Beyond ten years
|
| | | | — | | | | | | — | | |
抵押贷款支持证券 - 住宅
|
| | | | 4,478 | | | | | | 4,596 | | |
抵押贷款支持证券 - 商业
|
| | | | 2,749 | | | | | | 3,002 | | |
Total
|
| | | $ | 10,727 | | | | | $ | 11,131 | | |
| | |
September 30, 2019
|
| |||||||||||||||||||||||||||||||||
| | |
Less than 12 months
|
| |
12 months or Longer
|
| |
Total
|
| |||||||||||||||||||||||||||
| | |
Fair
Value |
| |
Unrealized
Losses |
| |
Fair
Value |
| |
Unrealized
Losses |
| |
Fair
Value |
| |
Unrealized
Losses |
| ||||||||||||||||||
| | |
(in thousands)
|
| |||||||||||||||||||||||||||||||||
Held to maturity: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
美国GSE住房抵押贷款支持证券
|
| | | $ | — | | | | | $ | — | | | | | $ | 2,860 | | | | | $ | (1) | | | | | $ | 2,860 | | | | | $ | (1) | | |
Total held to maturity
|
| | | $ | — | | | | | $ | — | | | | | $ | 2,860 | | | | | $ | (1) | | | | | $ | 2,860 | | | | | $ | (1) | | |
| | |
September 30,
|
| |||||||||
| | |
2020
|
| |
2019
|
| ||||||
| | |
(In thousands)
|
| |||||||||
Real estate: | | | | | | | | | | | | | |
Residential
|
| | |
$
|
454,073
|
| | | | $ | 465,422 | | |
Multi-family
|
| | |
|
136,539
|
| | | | | 139,504 | | |
Commercial
|
| | |
|
113,615
|
| | | | | 108,197 | | |
Total real estate
|
| | |
|
704,227
|
| | | | | 713,123 | | |
工商业
|
| | |
|
21,100
|
| | | | | 7,353 | | |
Consumer
|
| | |
|
24
|
| | | | | 501 | | |
Total loans
|
| | |
|
725,351
|
| | | | | 720,977 | | |
递延贷款费用和成本,净额
|
| | |
|
(332)
|
| | | | | (535) | | |
持有用于投资的贷款总额
|
| | |
|
725,019
|
| | | | | 720,442 | | |
贷款损失准备
|
| | |
|
(7,869)
|
| | | | | (7,143) | | |
Net Loans
|
| | |
$
|
717,150
|
| | | | $ | 713,299 | | |
| | |
September 30, 2020
|
| |||||||||||||||||||||||||||
| | |
Pass
|
| |
Special
Mention |
| |
Substandard
|
| |
Doubtful
|
| |
Total
|
| |||||||||||||||
| | |
(in thousands)
|
| |||||||||||||||||||||||||||
Real Estate: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Residential
|
| | |
$
|
449,524
|
| | | |
$
|
2,893
|
| | | |
$
|
1,343
|
| | | |
$
|
—
|
| | | |
$
|
453,760
|
| |
Multi-family
|
| | |
|
135,396
|
| | | |
|
1,294
|
| | | |
|
47
|
| | | |
|
—
|
| | | |
|
136,737
|
| |
Commercial
|
| | |
|
111,457
|
| | | |
|
893
|
| | | |
|
1,408
|
| | | |
|
—
|
| | | |
|
113,758
|
| |
工商业
|
| | |
|
20,404
|
| | | |
|
—
|
| | | |
|
334
|
| | | |
|
—
|
| | | |
|
20,738
|
| |
Consumer
|
| | |
|
26
|
| | | |
|
—
|
| | | |
|
—
|
| | | |
|
—
|
| | | |
|
26
|
| |
Total Loans
|
| | |
$
|
716,807
|
| | | |
$
|
5,080
|
| | | |
$
|
3,132
|
| | | |
$
|
—
|
| | | |
$
|
725,019
|
| |
| | |
September 30, 2019
|
| |||||||||||||||||||||||||||
| | |
Pass
|
| |
Special
Mention |
| |
Substandard
|
| |
Doubtful
|
| |
Total
|
| |||||||||||||||
| | |
(in thousands)
|
| |||||||||||||||||||||||||||
Real Estate: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Residential
|
| | | $ | 464,124 | | | | | $ | — | | | | | $ | 455 | | | | | $ | — | | | | | $ | 464,579 | | |
Multi-family
|
| | | | 139,596 | | | | | | — | | | | | | 89 | | | | | | — | | | | | | 139,685 | | |
Commercial
|
| | | | 106,543 | | | | | | 241 | | | | | | 1,519 | | | | | | — | | | | | | 108,303 | | |
工商业
|
| | | | 6,736 | | | | | | — | | | | | | 634 | | | | | | — | | | | | | 7,370 | | |
Consumer
|
| | | | 505 | | | | | | — | | | | | | — | | | | | | — | | | | | | 505 | | |
Total Loans
|
| | | $ | 717,504 | | | | | $ | 241 | | | | | $ | 2,697 | | | | | $ | — | | | | | $ | 720,442 | | |
| | |
September 30, 2020
|
| |||||||||||||||||||||||||||||||||
| | |
30-59
Days Past Due |
| |
60-89
Days Past Due |
| |
Greater
than 89 Days Past Due |
| |
Total Past
Due |
| |
Current
|
| |
Total
Loans |
| ||||||||||||||||||
| | |
(in thousands)
|
| |||||||||||||||||||||||||||||||||
Real Estate: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Residential
|
| | |
$
|
4,507
|
| | | |
$
|
—
|
| | | |
$
|
538
|
| | | |
$
|
5,045
|
| | | |
$
|
448,715
|
| | | |
$
|
453,760
|
| |
Multi-family
|
| | |
|
—
|
| | | |
|
—
|
| | | |
|
47
|
| | | |
|
47
|
| | | |
|
136,690
|
| | | |
|
136,737
|
| |
Commercial
|
| | |
|
—
|
| | | |
|
—
|
| | | |
|
330
|
| | | |
|
330
|
| | | |
|
113,428
|
| | | |
|
113,758
|
| |
工商业
|
| | |
|
—
|
| | | |
|
—
|
| | | |
|
334
|
| | | |
|
334
|
| | | |
|
20,404
|
| | | |
|
20,738
|
| |
Consumer
|
| | |
|
—
|
| | | |
|
—
|
| | | |
|
—
|
| | | |
|
—
|
| | | |
|
26
|
| | | |
|
26
|
| |
Total loans
|
| | |
$
|
4,507
|
| | | |
$
|
—
|
| | | |
$
|
1,249
|
| | | |
$
|
5,756
|
| | | |
$
|
719,263
|
| | | |
$
|
725,019
|
| |
| | |
September 30, 2019
|
| |||||||||||||||||||||||||||||||||
| | |
30-59
Days Past Due |
| |
60-89
Days Past Due |
| |
Greater
than 89 Days Past Due |
| |
Total Past
Due |
| |
Current
|
| |
Total
Loans |
| ||||||||||||||||||
| | |
(in thousands)
|
| |||||||||||||||||||||||||||||||||
Real Estate: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Residential
|
| | | $ | 846 | | | | | $ | — | | | | | $ | — | | | | | $ | 846 | | | | | $ | 463,733 | | | | | $ | 464,579 | | |
Multi-family
|
| | | | — | | | | | | — | | | | | | 89 | | | | | | 89 | | | | | | 139,596 | | | | | | 139,685 | | |
Commercial
|
| | | | — | | | | | | — | | | | | | 371 | | | | | | 371 | | | | | | 107,932 | | | | | | 108,303 | | |
工商业
|
| | | | — | | | | | | — | | | | | | 634 | | | | | | 634 | | | | | | 6,736 | | | | | | 7,370 | | |
Consumer
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 505 | | | | | | 505 | | |
Total loans
|
| | | $ | 846 | | | | | $ | — | | | | | $ | 1,094 | | | | | $ | 1,940 | | | | | $ | 718,502 | | | | | $ | 720,442 | | |
| | |
Non-accrual
|
| |
89+ Days Past Due
and Still Accruing |
| ||||||||||||||||||
| | |
2020
|
| |
2019
|
| |
2020
|
| |
2019
|
| ||||||||||||
| | |
(in thousands)
|
| |||||||||||||||||||||
Real estate: | | | | | | | | | | | | | | | | | | | | | | | | | |
Residential
|
| | | $ | 538 | | | | | $ | — | | | | | $ | — | | | | | $ | — | | |
Multi-family
|
| | |
|
47
|
| | | | | 89 | | | | |
|
—
|
| | | | | | | |
Commercial
|
| | |
|
34
|
| | | | | 890 | | | | |
|
296
|
| | | | | 629 | | |
工商业
|
| | |
|
334
|
| | | | | 634 | | | | |
|
—
|
| | | | | | | |
Consumer
|
| | |
|
—
|
| | | | | | | | | |
|
—
|
| | | | | | | |
Total loans
|
| | |
$
|
953
|
| | | | $ | 1,613 | | | | |
$
|
296
|
| | | | $ | 629 | | |
| | |
September 30, 2020
|
| |||||||||||||||||||||||||||
| | |
Unpaid
Principal Balance |
| |
Recorded
Investment |
| |
Allowance
for Loan Losses Allocated |
| |
Interest
Income Recognized |
| |
Average
Recorded Investment |
| |||||||||||||||
| | |
(in thousands)
|
| |||||||||||||||||||||||||||
没有相关津贴记录的 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Real Estate: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Residential
|
| | |
$
|
2,221
|
| | | |
$
|
2,221
|
| | | |
$
|
—
|
| | | |
$
|
87
|
| | | |
$
|
2,237
|
| |
Commercial
|
| | |
|
629
|
| | | |
|
629
|
| | | |
|
—
|
| | | |
|
44
|
| | | |
|
651
|
| |
Multi-family
|
| | |
|
47
|
| | | |
|
47
|
| | | |
|
—
|
| | | |
|
16
|
| | | |
|
66
|
| |
工商业
|
| | |
|
634
|
| | | |
|
334
|
| | | |
|
—
|
| | | |
|
—
|
| | | |
|
634
|
| |
Consumer
|
| | |
|
—
|
| | | |
|
—
|
| | | |
|
—
|
| | | |
|
—
|
| | | |
|
—
|
| |
Total
|
| | |
$
|
3,531
|
| | | |
$
|
3,231
|
| | | |
$
|
—
|
| | | |
$
|
147
|
| | | |
$
|
3,588
|
| |
| | |
September 30, 2019
|
| |||||||||||||||||||||||||||
| | |
Unpaid
Principal Balance |
| |
Recorded
Investment |
| |
Allowance
for Loan Losses Allocated |
| |
Interest
Income Recognized |
| |
Average
Recorded Investment |
| |||||||||||||||
| | |
(in thousands)
|
| |||||||||||||||||||||||||||
没有相关津贴记录的 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Real Estate: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Residential
|
| | | $ | 1,716 | | | | | $ | 1,716 | | | | | $ | — | | | | | $ | 91 | | | | | $ | 1,695 | | |
Commercial
|
| | | | 1,715 | | | | | | 1,519 | | | | | | — | | | | | | 142 | | | | | | 1,804 | | |
Multi-family
|
| | | | 89 | | | | | | 89 | | | | | | — | | | | | | 22 | | | | | | 110 | | |
工商业
|
| | | | 634 | | | | | | 634 | | | | | | — | | | | | | 19 | | | | | | 637 | | |
Consumer
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Total
|
| | | $ | 4,154 | | | | | $ | 3,958 | | | | | $ | — | | | | | $ | 274 | | | | | $ | 4,246 | | |
| | |
Year Ended September 30, 2020
|
| |||||||||||||||||||||||||||||||||
| | |
Residential
Real Estate Loans |
| |
Multi-
Family Loans |
| |
Commercial
Real Estate Loans |
| |
Commercial
and Industrial Loans |
| |
Consumer
Loans |
| |
Total
|
| ||||||||||||||||||
| | |
(in thousands)
|
| |||||||||||||||||||||||||||||||||
贷款损失准备: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Beginning Balance
|
| | | $ | 4,647 | | | | | $ | 1,215 | | | | | $ | 1,193 | | | | | $ | 75 | | | | | $ | 13 | | | | | $ | 7,143 | | |
贷款损失准备金
|
| | |
|
456
|
| | | |
|
291
|
| | | |
|
252
|
| | | |
|
263
|
| | | |
|
(12)
|
| | | |
|
1,250
|
| |
Loans charged-off
|
| | |
|
—
|
| | | |
|
—
|
| | | |
|
(224)
|
| | | |
|
(300)
|
| | | |
|
—
|
| | | |
|
(524)
|
| |
Recoveries
|
| | |
|
—
|
| | | |
|
—
|
| | | |
|
—
|
| | | |
|
—
|
| | | |
|
—
|
| | | |
|
—
|
| |
Ending Balance
|
| | | $ | 5,103 | | | | | $ | 1,506 | | | | | $ | 1,221 | | | | | $ | 38 | | | | | $ | 1 | | | | | $ | 7,869 | | |
| | |
Year Ended September 30, 2019
|
| |||||||||||||||||||||||||||||||||
| | |
Residential
Real Estate Loans |
| |
Multi-
Family Loans |
| |
Commercial
Real Estate Loans |
| |
Commercial
and Industrial Loans |
| |
Consumer
Loans |
| |
Total
|
| ||||||||||||||||||
| | |
(in thousands)
|
| |||||||||||||||||||||||||||||||||
贷款损失准备: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Beginning Balance
|
| | | $ | 4,363 | | | | | $ | 1,478 | | | | | $ | 500 | | | | | $ | 152 | | | | | $ | — | | | | | $ | 6,493 | | |
贷款损失准备金
|
| | | | 284 | | | | | | (263) | | | | | | 693 | | | | | | (77) | | | | | | 13 | | | | | | 650 | | |
Loans charged-off
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Recoveries
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Ending Balance
|
| | | $ | 4,647 | | | | | $ | 1,215 | | | | | $ | 1,193 | | | | | $ | 75 | | | | | $ | 13 | | | | | $ | 7,143 | | |
| | |
September 30, 2020(1)
|
| |||||||||||||||||||||||||||||||||
| | |
Residential
Real Estate Loans |
| |
Multi-
Family Loans |
| |
Commercial
Real Estate Loans |
| |
Commercial
and Industrial Loans |
| |
Consumer
Loans |
| |
Total Loans
|
| ||||||||||||||||||
| | |
(in thousands)
|
| |||||||||||||||||||||||||||||||||
贷款损失准备: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
单独评估减损情况
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | |
集体评估减值情况
|
| | |
|
5,103
|
| | | |
|
1,506
|
| | | |
|
1,221
|
| | | |
|
38
|
| | | |
|
1
|
| | | |
|
7,869
|
| |
总津贴余额
|
| | | $ | 5,103 | | | | | $ | 1,506 | | | | | $ | 1,221 | | | | | $ | 38 | | | | | $ | 1 | | | | | $ | 7,869 | | |
Loans: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
单独评估减损情况
|
| | | $ | 2,221 | | | | | $ | 47 | | | | | $ | 629 | | | | | $ | 334 | | | | | $ | — | | | | | $ | 3,231 | | |
集体评估减值情况
|
| | |
|
451,539
|
| | | |
|
136,690
|
| | | |
|
113,129
|
| | | |
|
20,404
|
| | | |
|
26
|
| | | |
|
721,788
|
| |
Total Loans
|
| | |
$
|
453,760
|
| | | |
$
|
136,737
|
| | | |
$
|
113,758
|
| | | |
$
|
20,738
|
| | | |
$
|
26
|
| | | |
$
|
725,019
|
| |
| | |
September 30, 2019(1)
|
| |||||||||||||||||||||||||||||||||
| | |
Residential
Real Estate Loans |
| |
Multi-
Family Loans |
| |
Commercial
Real Estate Loans |
| |
Commercial
and Industrial Loans |
| |
Consumer
Loans |
| |
Total Loans
|
| ||||||||||||||||||
| | |
(in thousands)
|
| |||||||||||||||||||||||||||||||||
贷款损失准备: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
单独评估减损情况
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | |
集体评估减值情况
|
| | | | 4,647 | | | | | | 1,215 | | | | | | 1,193 | | | | | | 75 | | | | | | 13 | | | | | | 7,143 | | |
总津贴余额
|
| | | $ | 4,647 | | | | | $ | 1,215 | | | | | $ | 1,193 | | | | | $ | 75 | | | | | $ | 13 | | | | | $ | 7,143 | | |
Loans: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
单独评估减损情况
|
| | | $ | 1,716 | | | | | $ | 89 | | | | | $ | 1,519 | | | | | $ | 634 | | | | | $ | — | | | | | $ | 3,958 | | |
集体评估减值情况
|
| | | | 463,863 | | | | | | 139,596 | | | | | | 106,784 | | | | | | 6,736 | | | | | | 505 | | | | | | 716,484 | | |
Total Loans
|
| | | $ | 464,579 | | | | | $ | 139,685 | | | | | $ | 108,303 | | | | | $ | 7,370 | | | | | $ | 505 | | | | | $ | 720,442 | | |
| | |
September 30,
|
| |||||||||
| | |
2020
|
| |
2019
|
| ||||||
| | |
(In thousands)
|
| |||||||||
Land
|
| | |
$
|
1,600
|
| | | | $ | 1,600 | | |
建筑和改善
|
| | |
|
9,434
|
| | | | | 9,292 | | |
租赁改进
|
| | |
|
2,001
|
| | | | | 1,874 | | |
家具、固定装置和设备
|
| | |
|
5,454
|
| | | | | 4,866 | | |
施工中
|
| | |
|
329
|
| | | | | 284 | | |
| | | |
|
18,818
|
| | | | | 17,916 | | |
累计折旧及摊销
|
| | |
|
(4,662)
|
| | | | | (3,510) | | |
Total
|
| | |
$
|
14,156
|
| | | | $ | 14,406 | | |
| | |
September 30,
|
| |||||||||
| | |
2020
|
| |
2019
|
| ||||||
| | |
(in thousands)
|
| |||||||||
按需不计息
|
| | |
$
|
82,350
|
| | | | $ | 69,606 | | |
NOW
|
| | |
|
34,086
|
| | | | | 53,564 | | |
Money market
|
| | |
|
110,353
|
| | | | | 102,054 | | |
Savings
|
| | |
|
43,218
|
| | | | | 39,548 | | |
Time, $250,000 and over
|
| | |
|
78,628
|
| | | | | 90,465 | | |
Time, under $250,000
|
| | |
|
316,125
|
| | | | | 295,049 | | |
Total
|
| | |
$
|
664,760
|
| | | | $ | 650,286 | | |
| | |
Total
|
| |||
| | |
(in thousands)
|
| |||
2021
|
| | | $ | 339,826 | | |
2022
|
| | | | 35,718 | | |
2023
|
| | | | 9,340 | | |
2024
|
| | | | 9,337 | | |
2025
|
| | | | 532 | | |
Total
|
| | | $ | 394,753 | | |
| | |
2020
|
| |||||||||
Contractual
Maturity |
| |
Amount
|
| |
Weighted
Average Rate |
| ||||||
2021
|
| | |
$
|
34,758
|
| | | |
|
1.67%
|
| |
2022
|
| | |
|
4,000
|
| | | |
|
2.02
|
| |
2023
|
| | |
|
4,300
|
| | | |
|
1.15
|
| |
2024
|
| | |
|
18,860
|
| | | |
|
0.98
|
| |
Thereafter
|
| | |
|
7,080
|
| | | |
|
0.58
|
| |
Total
|
| | |
$
|
68,998
|
| | | |
|
1.36%
|
| |
| | |
Year Ended September 30,
|
| |||||||||
| | |
2020
|
| |
2019
|
| ||||||
| | |
(in thousands)
|
| |||||||||
Current: | | | | | | | | | | | | | |
Federal
|
| | |
$
|
1,303
|
| | | | $ | 1,934 | | |
State
|
| | |
|
116
|
| | | | | 134 | | |
| | | |
|
1,419
|
| | | | | 2,068 | | |
Deferred: | | | | | | | | | | | | | |
Federal
|
| | |
|
91
|
| | | | | 146 | | |
State
|
| | |
|
(1,200)
|
| | | | | 30 | | |
| | | |
|
(1,109)
|
| | | | | 176 | | |
估值免税额变动
|
| | |
|
930
|
| | | | | 325 | | |
Total income tax expense
|
| | |
$
|
1,244
|
| | | | $ | 2,569 | | |
| | |
Year Ended September 30,
|
| |||||||||||||||||||||
| | |
2020
|
| |
2019
|
| ||||||||||||||||||
| | |
Amount
|
| |
Percentage
of Pre-tax Earnings |
| |
Amount
|
| |
Percentage
of Pre-tax Earnings |
| ||||||||||||
| | |
(in thousands)
|
| |||||||||||||||||||||
通过对所得税前收入适用法定税率计算的联邦所得税费用
|
| | |
$
|
1,305
|
| | | |
|
21.0%
|
| | | | $ | 2,237 | | | | | | 21.0% | | |
扣除联邦福利后的州税
|
| | |
|
(646)
|
| | | |
|
(10.4)
|
| | | | | 115 | | | | | | 1.1 | | |
公司税率变化
|
| | |
|
—
|
| | | |
|
—
|
| | | | | (51) | | | | | | (0.1) | | |
不可抵扣的交易成本
|
| | |
|
43
|
| | | |
|
0.7
|
| | | | | — | | | | | | — | | |
Other
|
| | |
|
(392)
|
| | | |
|
(6.3)
|
| | | | | (57) | | | | | | (1.0) | | |
Valuation allowance
|
| | |
|
930
|
| | | |
|
15.0
|
| | | | | 325 | | | | | | 3.1 | | |
Income tax expense
|
| | |
$
|
1,240
|
| | | |
|
20.0%
|
| | | | $ | 2,569 | | | | | | 24.1% | | |
| | |
September 30,
|
| |||||||||
| | |
2020
|
| |
2019
|
| ||||||
Deferred tax assets: | | | | | | | | | | | | | |
贷款损失准备
|
| | |
$
|
2,468
|
| | | | $ | 2,245 | | |
Organizational costs
|
| | |
|
46
|
| | | | | 61 | | |
Start-up and other costs
|
| | |
|
115
|
| | | | | 150 | | |
净营业亏损结转
|
| | |
|
1,887
|
| | | | | 1,019 | | |
Accrued SERP
|
| | |
|
1,462
|
| | | | | — | | |
Other assets
|
| | |
|
1,134
|
| | | | | 2,478 | | |
递延税金资产总额
|
| | |
|
7,112
|
| | | | | 5,953 | | |
递延纳税义务: | | | | | | | | | | | | | |
Depreciation
|
| | |
|
(734)
|
| | | | | (676) | | |
Deferred loan fees/costs
|
| | |
|
(651)
|
| | | | | (263) | | |
采购会计公允价值调整
|
| | |
|
(670)
|
| | | | | (954) | | |
Tax bad debt reserve
|
| | |
|
(124)
|
| | | | | (93) | | |
抵押偿还权
|
| | |
|
(49)
|
| | | | | (83) | | |
可供出售的证券的未实现收益
|
| | |
|
(41)
|
| | | | | (6) | | |
递延纳税负债总额
|
| | |
|
(2,269)
|
| | | | | (2,075) | | |
Total
|
| | |
|
4,843
|
| | | | | 3,878 | | |
Valuation allowance
|
| | |
|
(2,765)
|
| | | | | (1,780) | | |
Net deferred tax asset
|
| | |
$
|
2,078
|
| | | | $ | 2,098 | | |
| | |
Number of
Options |
| |
Weighted
Average Exercise Price |
| |
Aggregate
Intrinsic Value |
| |
Weighted
Average Remaining Contractual Term |
| ||||||||||||
Outstanding, October 1, 2018
|
| | | | 226,173 | | | | | $ | 10.96 | | | | | | | | | | | | | | |
Granted
|
| | | | — | | | | | | — | | | | | | | | | | | | | | |
Exercised
|
| | | | (6,000) | | | | | | 10.00 | | | | | | | | | | | | | | |
Forfeited
|
| | | | — | | | | | | — | | | | | | | | | | | | | | |
Outstanding, September 30, 2019
|
| | | | 220,173 | | | | | $ | 10.98 | | | | | $ | 1,754 | | | | | | 5.48 | | |
Granted
|
| | | | — | | | | | | — | | | | | | | | | | | | | | |
Exercised
|
| | | | (10,735) | | | | | | 10.00 | | | | | | | | | | | | | | |
Forfeited
|
| | | | (53,932) | | | | | | 10.11 | | | | | | | | | | | | | | |
Outstanding, September 30, 2020
|
| | | | 155,506 | | | | | $ | 11.35 | | | | | $ | 1,623 | | | | | | 4.66 | | |
年底可行使
|
| | | | 155,506 | | | | | $ | 11.35 | | | | | $ | 1,623 | | | | | | 4.66 | | |
| | |
2020
|
| |
2019
|
| ||||||
行使期权的内在价值
|
| | |
$
|
127
|
| | | | $ | 69 | | |
期权行权收到的现金
|
| | |
|
107
|
| | | | | 60 | | |
授予期权的加权平均公允价值
|
| | |
|
—
|
| | | | | - | | |
| | |
Shares
|
| |
Weighted
Average Grant Date Fair Value |
| ||||||
Unvested, October 1, 2019
|
| | | | 136,323 | | | | | $ | 18.67 | | |
Granted
|
| | | | 25,341 | | | | | $ | 21.79 | | |
Vested
|
| | | | (38,325) | | | | | $ | 18.55 | | |
Forfeited
|
| | | | (28,287) | | | | | $ | 18.66 | | |
Unvested, September 30, 2020
|
| | | | 95,052 | | | | | $ | 19.56 | | |
| | |
2020
|
| |||
| | |
(in thousands)
|
| |||
Beginning balance
|
| | | $ | 2,365 | | |
New Loans
|
| | |
|
460
|
| |
Repayments
|
| | |
|
(248)
|
| |
Ending balance
|
| | | | 2,577 | | |
| | |
2020
|
| |
2019
|
| ||||||
| | |
(in thousands)
|
| |||||||||
备用信用证
|
| | |
$
|
159
|
| | | | $ | 159 | | |
未偿还贷款承诺
|
| | |
|
17,405
|
| | | | | 5,948 | | |
Unused lines of credit
|
| | |
|
11,218
|
| | | | | 13,845 | | |
Total
|
| | |
$
|
28,782
|
| | | | $ | 19,952 | | |
| | |
Total
|
| |||
| | |
(in thousands)
|
| |||
2021
|
| | | $ | 1,544 | | |
2022
|
| | | | 1,591 | | |
2023
|
| | | | 1,632 | | |
2024
|
| | | | 1,670 | | |
2025
|
| | | | 1,684 | | |
Thereafter
|
| | | | 6,166 | | |
Total
|
| | | $ | 14,287 | | |
| | |
September 30, 2020
|
| |||||||||||||||||||||||||||||||||||||||||||||
| | |
Actual Capital
|
| |
Minimum Capital
Adequacy Requirement |
| |
Minimum Capital
Adequacy Requirement with Capital Conservation Buffer |
| |
Minimum To Be Well
Capitalized Under Prompt Corrective Action Provisions |
| ||||||||||||||||||||||||||||||||||||
| | |
Amount
|
| |
Ratio
|
| |
Amount
|
| |
Ratio
|
| |
Amount
|
| |
Ratio
|
| |
Amount
|
| |
Ratio
|
| ||||||||||||||||||||||||
总资本与风险加权资产之比
|
| | |
$
|
95,079
|
| | | |
|
20.57%
|
| | | |
$
|
36,970
|
| | | |
|
8.00%
|
| | | |
$
|
48,523
|
| | | |
|
10.50%
|
| | | |
$
|
46,212
|
| | | |
|
10.00%
|
| |
一级资本与风险加权资产的比例
|
| | |
|
89,275
|
| | | |
|
19.32
|
| | | |
|
27,727
|
| | | |
|
6.00
|
| | | |
|
39,281
|
| | | |
|
8.50
|
| | | |
|
36,970
|
| | | |
|
8.00
|
| |
普通股一级资本与风险加权资产之比
|
| | |
|
89,275
|
| | | |
|
19.32
|
| | | |
|
20,796
|
| | | |
|
4.50
|
| | | |
|
32,349
|
| | | |
|
7.00
|
| | | |
|
30,038
|
| | | |
|
6.50
|
| |
一级资本与平均总资产之比
|
| | |
|
89,275
|
| | | |
|
11.22
|
| | | |
|
31,820
|
| | | |
|
4.00
|
| | | |
|
不适用
|
| | | |
|
不适用
|
| | | |
|
39,775
|
| | | |
|
5.00
|
| |
| | |
September 30, 2019
|
| |||||||||||||||||||||||||||||||||||||||||||||
| | |
Actual Capital
|
| |
Minimum Capital
Adequacy Requirement |
| |
Minimum Capital
Adequacy Requirement with Capital Conservation Buffer |
| |
Minimum To Be Well
Capitalized Under Prompt Corrective Action Provisions |
| ||||||||||||||||||||||||||||||||||||
| | |
Amount
|
| |
Ratio
|
| |
Amount
|
| |
Ratio
|
| |
Amount
|
| |
Ratio
|
| |
Amount
|
| |
Ratio
|
| ||||||||||||||||||||||||
总资本与风险加权资产之比
|
| | | $ | 89,295 | | | | | | 19.07% | | | | | $ | 37,465 | | | | | | 8.00% | | | | | $ | 49,173 | | | | | | 10.50% | | | | | $ | 46,832 | | | | | | 10.00% | | |
一级资本与风险加权资产的比例
|
| | | | 83,424 | | | | | | 17.81 | | | | | | 28,099 | | | | | | 6.00 | | | | | | 39,807 | | | | | | 8.50 | | | | | | 37,465 | | | | | | 8.00 | | |
普通股一级资本与风险加权资产之比
|
| | | | 83,424 | | | | | | 17.81 | | | | | | 21,074 | | | | | | 4.50 | | | | | | 32,782 | | | | | | 7.00 | | | | | | 30,441 | | | | | | 6.50 | | |
一级资本与平均总资产之比
|
| | | | 83,424 | | | | | | 10.47 | | | | | | 31,882 | | | | | | 4.00 | | | | | | 不适用 | | | | | | 不适用 | | | | | | 39,853 | | | | | | 5.00 | | |
| | |
September 30, 2020
|
| |||||||||||||||||||||
| | | | | | | | |
公允价值计量使用:
|
| |||||||||||||||
| | |
Carrying Value
|
| |
Quoted Prices
In Active Markets for Identical Assets (Level 1) |
| |
Significant
Other Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| ||||||||||||
Assets: | | | | | | | | | | | | | | | | | | | | | | | | | |
可出售证券:
|
| | | | | | | | | | | | | | | | | | | | | | | | |
美国GSE住房抵押贷款支持证券
|
| | | $ | 962 | | | | | $ | — | | | | | $ | 962 | | | | | $ | — | | |
Corporate bonds
|
| | |
|
5,073
|
| | | | | | | | | |
|
5,073
|
| | | | | | | |
抵押偿还权
|
| | |
|
155
|
| | | |
|
—
|
| | | |
|
—
|
| | | |
|
155
|
| |
Total
|
| | |
$
|
6,190
|
| | | |
$
|
—
|
| | | |
$
|
6,035
|
| | | |
$
|
155
|
| |
| | |
September 30, 2019
|
| |||||||||||||||||||||
| | | | | | | | |
公允价值计量使用:
|
| |||||||||||||||
| | |
Carrying Value
|
| |
Quoted Prices
In Active Markets for Identical Assets (Level 1) |
| |
Significant
Other Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| ||||||||||||
Assets: | | | | | | | | | | | | | | | | | | | | | | | | | |
可出售证券: | | | | | | | | | | | | | | | | | | | | | | | | | |
美国GSE住房抵押贷款支持证券
|
| | | $ | 911 | | | | | $ | — | | | | | $ | 911 | | | | | $ | — | | |
抵押偿还权
|
| | | | 266 | | | | | | — | | | | | | — | | | | | | 266 | | |
Total
|
| | | $ | 1,177 | | | | | $ | — | | | | | $ | 911 | | | | | $ | 266 | | |
| | |
2020
|
| |
2019
|
| ||||||
| | |
(in thousands)
|
| |||||||||
Balance, October 1
|
| | |
$
|
266
|
| | | | $ | 344 | | |
Additions
|
| | |
|
—
|
| | | | | 60 | | |
Adjustment to fair value
|
| | |
|
(111)
|
| | | | | (138) | | |
Balance, September 30
|
| | |
$
|
155
|
| | | | $ | 266 | | |
| | |
September 30, 2020
|
| |||||||||||||||||||||||||||
| | | | | | | | |
公允价值计量使用:
|
| |||||||||||||||||||||
| | |
Carrying
Amount |
| |
Quoted Prices
In Active Markets for Identical Assets (Level 1) |
| |
Significant
Other Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| |
Total
Fair Value |
| |||||||||||||||
| | |
(In thousands)
|
| |||||||||||||||||||||||||||
Financial assets: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
现金和现金等价物
|
| | | $ | 80,209 | | | | | $ | 80,209 | | | | | $ | — | | | | | $ | — | | | | | $ | 80,209 | | |
持有至到期的证券
|
| | |
|
10,727
|
| | | |
|
—
|
| | | |
|
11,131
|
| | | |
|
—
|
| | | |
|
11,131
|
| |
可供出售的证券
|
| | |
|
6,035
|
| | | |
|
—
|
| | | |
|
6,035
|
| | | |
|
—
|
| | | |
|
6,035
|
| |
Loans, net
|
| | |
|
717,150
|
| | | |
|
—
|
| | | |
|
—
|
| | | |
|
746,969
|
| | | |
|
746,969
|
| |
应计应收利息
|
| | |
|
6,766
|
| | | |
|
—
|
| | | |
|
218
|
| | | |
|
6,548
|
| | | |
|
6,766
|
| |
财务负债: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Time deposits
|
| | |
|
394,753
|
| | | |
|
—
|
| | | |
|
397,842
|
| | | |
|
—
|
| | | |
|
397,842
|
| |
活期存款和其他存款
|
| | |
|
270,007
|
| | | |
|
270,007
|
| | | |
|
—
|
| | | |
|
—
|
| | | |
|
270,007
|
| |
Borrowings
|
| | |
|
85,154
|
| | | |
|
—
|
| | | |
|
87,052
|
| | | |
|
—
|
| | | |
|
87,052
|
| |
Note payable
|
| | |
|
14,984
|
| | | |
|
—
|
| | | |
|
—
|
| | | |
|
15,329
|
| | | |
|
15,329
|
| |
应计应付利息
|
| | |
|
374
|
| | | |
|
1
|
| | | |
|
339
|
| | | |
|
34
|
| | | |
|
374
|
| |
| | |
September 30, 2019
|
| |||||||||||||||||||||||||||
| | | | | | | | |
公允价值计量使用:
|
| |||||||||||||||||||||
| | |
Carrying
Amount |
| |
Quoted Prices
In Active Markets for Identical Assets (Level 1) |
| |
Significant
Other Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| |
Total
Fair Value |
| |||||||||||||||
| | |
(In thousands)
|
| |||||||||||||||||||||||||||
Financial assets: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
现金和现金等价物
|
| | | $ | 87,831 | | | | | $ | 87,831 | | | | | $ | — | | | | | $ | — | | | | | $ | 87,831 | | |
持有至到期的证券
|
| | | | 12,030 | | | | | | — | | | | | | 12,191 | | | | | | — | | | | | | 12,191 | | |
可供出售的证券
|
| | | | 911 | | | | | | — | | | | | | 911 | | | | | | — | | | | | | 911 | | |
Loans, net
|
| | | | 713,299 | | | | | | — | | | | | | — | | | | | | 736,737 | | | | | | 736,737 | | |
应计应收利息
|
| | | | 3,265 | | | | | | — | | | | | | 160 | | | | | | 3,105 | | | | | | 3,265 | | |
财务负债: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Time deposits
|
| | | | 385,514 | | | | | | — | | | | | | 387,337 | | | | | | — | | | | | | 387,337 | | |
活期存款和其他存款
|
| | | | 264,772 | | | | | | 264,772 | | | | | | — | | | | | | — | | | | | | 264,772 | | |
Borrowings
|
| | | | 100,745 | | | | | | — | | | | | | 100,756 | | | | | | — | | | | | | 100,756 | | |
Note payable
|
| | | | 14,981 | | | | | | — | | | | | | — | | | | | | 14,478 | | | | | | 14,478 | | |
应计应付利息
|
| | | | 531 | | | | | | 2 | | | | | | 524 | | | | | | 5 | | | | | | 531 | | |
| | |
September 30,
|
| |||||||||
| | |
2020
|
| |
2019
|
| ||||||
| | |
(in thousands)
|
| |||||||||
ASSETS | | | | | | | | | | | | | |
银行应付的现金和存款
|
| | | $ | 514 | | | | | $ | 1,168 | | |
Investment in bank
|
| | |
|
91,792
|
| | | | | 85,214 | | |
Other assets
|
| | |
|
755
|
| | | | | 567 | | |
Total Assets
|
| | | $ | 93,061 | | | | | $ | 86,949 | | |
负债和股东权益 | | | | | | | | | | | | | |
Note payable
|
| | | $ | 14,984 | | | | | $ | 14,981 | | |
应计应付利息
|
| | |
|
34
|
| | | | | 5 | | |
应计费用和其他负债
|
| | |
|
—
|
| | | | | 13 | | |
Total Liabilities
|
| | |
|
15,018
|
| | | | | 14,999 | | |
股东权益合计
|
| | |
|
78,043
|
| | | | | 71,950 | | |
总负债和股东权益
|
| | | $ | 93,061 | | | | | $ | 86,949 | | |
| | |
For the Year Ended September 30,
|
| |||||||||
| | |
2020
|
| |
2019
|
| ||||||
| | |
(in thousands)
|
| |||||||||
Interest income
|
| | | $ | 3 | | | | | $ | 7 | | |
Interest expense
|
| | |
|
895
|
| | | | | 892 | | |
未分配收益中的所得税和权益前亏损
bank |
| | |
|
(892)
|
| | | | | (885) | | |
Income tax benefit
|
| | |
|
187
|
| | | | | 186 | | |
银行未分配收益中的权益
|
| | |
|
5,679
|
| | | | | 8,784 | | |
Net Income
|
| | | $ | 4,974 | | | | | $ | 8,085 | | |
| | |
Year Ended September 30,
|
| |||||||||
| | |
2020
|
| |
2019
|
| ||||||
| | |
(in thousands)
|
| |||||||||
经营活动现金流: | | | | | | | | | | | | | |
Net income
|
| | |
$
|
4,974
|
| | | | $ | 8,085 | | |
将净收入与经营活动中使用的净现金进行调整
|
| | | | | | | | | | | | |
银行未分配收益中的权益
|
| | |
|
(5,679)
|
| | | | | (8,784) | | |
债务发行成本摊销
|
| | |
|
3
|
| | | | | 4 | | |
Increase in other assets
|
| | |
|
(187)
|
| | | | | (186) | | |
应计应付利息增加
|
| | |
|
29
|
| | | | | — | | |
(减少)其他负债增加
|
| | |
|
(13)
|
| | | | | 13 | | |
经营活动中使用的净现金
|
| | |
|
(873)
|
| | | | | (868) | | |
投资活动现金流: | | | | | | | | | | | | | |
Investment in the Bank
|
| | |
|
—
|
| | | | | (4,318) | | |
投资活动中使用的净现金
|
| | |
|
—
|
| | | | | (4,318) | | |
融资活动的现金流: | | | | | | | | | | | | | |
行使股票期权的净收益
|
| | |
|
107
|
| | | | | 60 | | |
普通股发行净收益
|
| | |
|
112
|
| | | | | 5,046 | | |
融资活动提供的现金净额
|
| | |
|
219
|
| | | | | 5,106 | | |
现金和现金等价物净减少
|
| | |
|
(654)
|
| | | | | (80) | | |
期初现金及现金等价物
|
| | |
|
1,168
|
| | | | | 1,248 | | |
期末现金和现金等价物
|
| | |
$
|
514
|
| | | | $ | 1,168 | | |
补充非现金披露 | | | | | | | | | | | | | |
收购CFSB时发行的股份
|
| | |
$
|
—
|
| | | | $ | 4,080 | | |
| | |
Year Ended September 30,
|
| |||||||||
| | |
2020
|
| |
2019
|
| ||||||
(千为单位,共享数据除外) | | | | | | | | | | | | | |
Basic | | | | | | | | | | | | | |
Net income
|
| | |
$
|
4,974
|
| | | | $ | 8,085 | | |
加权平均已发行普通股
|
| | |
|
4,162,280
|
| | | | | 3,857,696 | | |
普通股基本每股收益
|
| | |
$
|
1.20
|
| | | | $ | 2.10 | | |
Diluted
|
| | | | | | | | | | | | |
Net income
|
| | |
$
|
4,974
|
| | | | $ | 8,085 | | |
每股基本收益的加权平均已发行普通股
common share |
| | |
|
4,162,280
|
| | | | | 3,857,696 | | |
补充:假定行使股票期权的稀释效应
|
| | |
|
64,687
|
| | | | | 79,670 | | |
普通股和稀释潜在普通股
|
| | |
|
4,226,967
|
| | | | | 3,937,366 | | |
稀释后每股普通股收益
|
| | |
$
|
1.18
|
| | | | $ | 2.06 | | |
(In thousands)
|
| |
As Initially
Reported |
| |
Measurement
Period Adjustments(1) |
| |
As Adjusted
|
| |||||||||
Cash and due from banks
|
| | | $ | 23,853 | | | | | $ | — | | | | | $ | 23,853 | | |
Loans
|
| | | | 94,520 | | | | | | — | | | | | | 94,520 | | |
Prepaid pension
|
| | | | 4,416 | | | | | | — | | | | | | 4,416 | | |
Premises and equipment
|
| | | | 56 | | | | | | — | | | | | | 56 | | |
Other assets
|
| | | | 4,452 | | | | | | (324) | | | | | | 4,128 | | |
Total assets acquired
|
| | | $ | 127,297 | | | | | $ | (324) | | | | | $ | 126,973 | | |
Deposits
|
| | | $ | 109,905 | | | | | $ | — | | | | | $ | 109,905 | | |
其他负债和应计费用
|
| | | | 5,274 | | | | | | 95 | | | | | | 5,369 | | |
承担的总负债
|
| | | $ | 115,179 | | | | | $ | 95 | | | | | $ | 115,274 | | |
Net assets acquired
|
| | | | 12,118 | | | | | | (419) | | | | | | 11,699 | | |
Consideration paid
|
| | | | 13,600 | | | | | | — | | | | | | 13,600 | | |
收购时记录的商誉
|
| | | $ | 1,482 | | | | | $ | 419 | | | | | $ | 1,901 | | |
|
独立审计师报告
|
| | | | F-64 | | |
| 财务报表 | | | | | | | |
|
BALANCE SHEETS
|
| | | | F-65 | | |
|
运营报表
|
| | | | F-66 | | |
|
综合收益表
|
| | | | F-67 | | |
|
股东权益变动表
|
| | | | F-68 | | |
|
STATEMENTS OF CASH FLOWS
|
| | | | F-69 | | |
|
财务报表附注
|
| | | | F-70 | | |
| | | |
![]() |
|
| | | |
Crowe LLP
|
|
| | |
2020
|
| |
2019
|
| ||||||
ASSETS | | | | | | | | | | | | | |
现金和现金等价物 | | | | | | | | | | | | | |
Cash and due from banks
|
| | | $ | 1,754,037 | | | | | $ | 1,424,238 | | |
Federal funds sold
|
| | | | 88,652,000 | | | | | | 39,853,000 | | |
现金和现金等价物合计
|
| | | | 90,406,037 | | | | | | 41,277,238 | | |
其他金融机构的定期存款
|
| | | | 1,849,055 | | | | | | 1,600,054 | | |
可供出售的证券
|
| | | | 1,337,566 | | | | | | 2,778,079 | | |
Loans, net of allowance of $8,354,694 and $5,261,783
|
| | | | 493,242,667 | | | | | | 326,989,448 | | |
应计应收利息
|
| | | | 4,278,269 | | | | | | 1,571,188 | | |
Loan servicing rights
|
| | | | 3,178,189 | | | | | | 2,724,436 | | |
Restricted stock, at cost
|
| | | | 767,800 | | | | | | 969,600 | | |
房舍和设备,净额
|
| | | | 472,721 | | | | | | 580,619 | | |
Deferred tax asset, net
|
| | | | 3,129,326 | | | | | | 2,253,610 | | |
Other real estate owned
|
| | | | 1,500,257 | | | | | | 1,737,257 | | |
Other assets
|
| | | | 417,799 | | | | | | 186,585 | | |
Total assets
|
| | | $ | 600,579,686 | | | | | $ | 382,668,114 | | |
负债和股东权益 | | | | | | | | | | | | | |
Liabilities | | | | | | | | | | | | | |
Deposits
|
| | | | | | | | | | | | |
Non-interest bearing
|
| | | $ | 47,358,387 | | | | | $ | 39,380,646 | | |
Interest bearing
|
| | | | 312,094,312 | | | | | | 286,474,174 | | |
Total deposits
|
| | | | 359,452,699 | | | | | | 325,854,820 | | |
Borrowings
|
| | | | 190,021,351 | | | | | | 12,500,000 | | |
应计应付利息
|
| | | | 1,030,248 | | | | | | 1,048,857 | | |
Other liabilities
|
| | | | 4,045,812 | | | | | | 2,307,596 | | |
Total liabilities
|
| | | | 554,550,110 | | | | | | 341,711,273 | | |
Shareholders’ equity | | | | | | | | | | | | | |
Common stock, $1.00 par value, 10,389,070 shares authorized; 9,628,626
和9,609,646股已发行和已发行股票 |
| | | | 9,628,626 | | | | | | 9,609,646 | | |
新增实收资本
|
| | | | 21,839,624 | | | | | | 21,830,134 | | |
Retained earnings
|
| | | | 14,552,017 | | | | | | 9,505,660 | | |
累计其他综合收益
|
| | | | 9,309 | | | | | | 11,401 | | |
股东权益合计
|
| | | | 46,029,576 | | | | | | 40,956,841 | | |
总负债和股东权益
|
| | | $ | 600,579,686 | | | | | $ | 382,668,114 | | |
| | |
2020
|
| |
2019
|
| ||||||
Interest income | | | | | | | | | | | | | |
Loans, including fees
|
| | | $ | 25,179,915 | | | | | $ | 22,447,692 | | |
Securities
|
| | | | 36,171 | | | | | | 82,577 | | |
出售的联邦基金和其他
|
| | | | 241,322 | | | | | | 999,977 | | |
Total interest income
|
| | | | 25,457,408 | | | | | | 23,530,246 | | |
Interest expense | | | | | | | | | | | | | |
Deposits
|
| | | | 5,496,358 | | | | | | 6,447,625 | | |
Borrowings
|
| | | | 717,139 | | | | | | 333,252 | | |
Total interest expense
|
| | | | 6,213,497 | | | | | | 6,780,877 | | |
Net interest income
|
| | | | 19,243,911 | | | | | | 16,749,369 | | |
贷款损失准备金
|
| | | | 3,275,000 | | | | | | 2,840,000 | | |
计提贷款损失准备后的净利息收入
|
| | | | 15,968,911 | | | | | | 13,909,369 | | |
Non-interest income | | | | | | | | | | | | | |
手续费和存款账户手续费
|
| | | | 102,316 | | | | | | 182,684 | | |
出售小企业管理局(“SBA”)贷款担保部分的净收益
|
| | | | 2,697,207 | | | | | | 3,552,245 | | |
Loan servicing fees
|
| | | | 728,139 | | | | | | 424,326 | | |
出售自有房地产的收益
|
| | | | 111,866 | | | | | | — | | |
美国财政部拨款
|
| | | | — | | | | | | 210,162 | | |
Other income
|
| | | | 122,062 | | | | | | 5,404 | | |
非利息收入总额
|
| | | | 3,761,590 | | | | | | 4,374,821 | | |
非利息支出 | | | | | | | | | | | | | |
Salaries and benefits
|
| | | | 7,128,731 | | | | | | 6,957,969 | | |
Occupancy
|
| | | | 924,812 | | | | | | 897,982 | | |
专业服务
|
| | | | 1,411,551 | | | | | | 998,342 | | |
Data processing
|
| | | | 616,564 | | | | | | 502,392 | | |
Marketing
|
| | | | 157,262 | | | | | | 279,352 | | |
联邦存款保险公司(“FDIC”)保险
|
| | | | 100,941 | | | | | | 55,814 | | |
Other expense
|
| | | | 1,587,850 | | | | | | 1,583,999 | | |
非利息支出合计
|
| | | | 11,927,711 | | | | | | 11,275,850 | | |
所得税前收入
|
| | | | 7,802,790 | | | | | | 7,008,340 | | |
Income tax expense
|
| | | | 2,275,003 | | | | | | 1,672,621 | | |
Net income
|
| | | $ | 5,527,787 | | | | | $ | 5,335,719 | | |
| | |
2020
|
| |
2019
|
| ||||||
Net income
|
| | | $ | 5,527,787 | | | | | $ | 5,335,719 | | |
其他综合收益(亏损) | | | | | | | | | | | | | |
证券未实现收益(亏损)
|
| | | | | | | | | | | | |
期间发生的未实现持有收益(亏损)
|
| | | | (2,649) | | | | | | 118,788 | | |
Tax effect
|
| | | | (557) | | | | | | 24,985 | | |
其他综合收益(亏损)合计
|
| | | | (2,092) | | | | | | 93,803 | | |
Comprehensive income
|
| | | $ | 5,525,695 | | | | | $ | 5,429,522 | | |
| | |
Common
Stock |
| |
Additional
Paid-In Capital |
| |
Retained
Earnings |
| |
Accumulated
Other Comprehensive Income (Loss) |
| |
Total
|
| |||||||||||||||
Balances, January 1, 2019
|
| | | $ | 9,556,196 | | | | | $ | 21,803,409 | | | | | $ | 4,169,941 | | | | | $ | (82,402) | | | | | $ | 35,447,144 | | |
Exercise of 53,450 stock options
|
| | | | 53,450 | | | | | | 26,725 | | | | | | — | | | | | | — | | | | | | 80,175 | | |
Net income
|
| | | | — | | | | | | — | | | | | | 5,335,719 | | | | | | — | | | | | | 5,335,719 | | |
其他综合收益
|
| | | | — | | | | | | — | | | | | | — | | | | | | 93,803 | | | | | | 93,803 | | |
Balances, December 31, 2019
|
| | | | 9,609,646 | | | | | | 21,830,134 | | | | | | 9,505,660 | | | | | | 11,401 | | | | | | 40,956,841 | | |
Exercise of 18,980 stock options
|
| | | | 18,980 | | | | | | 9,490 | | | | | | — | | | | | | — | | | | | | 28,470 | | |
Net income
|
| | | | — | | | | | | — | | | | | | 5,527,787 | | | | | | — | | | | | | 5,527,787 | | |
Dividends declared, $0.05 per share
|
| | | | — | | | | | | — | | | | | | (481,430) | | | | | | — | | | | | | (481,430) | | |
其他全面亏损
|
| | | | — | | | | | | — | | | | | | — | | | | | | (2,092) | | | | | | (2,092) | | |
Balances, December 31, 2020
|
| | | $ | 9,628,626 | | | | | $ | 21,839,624 | | | | | $ | 14,552,017 | | | | | $ | 9,309 | | | | | $ | 46,029,576 | | |
| | |
2020
|
| |
2019
|
| ||||||
经营活动产生的现金流 | | | | | | | | | | | | | |
Net income
|
| | | $ | 5,527,787 | | | | | $ | 5,335,719 | | |
将净收入与净现金进行调整
|
| | | | | | | | | | | | |
由经营活动提供的贷款损失准备金
|
| | | | 3,275,000 | | | | | | 2,840,000 | | |
出售自有房地产的收益
|
| | | | (111,866) | | | | | | — | | |
折旧及摊销
|
| | | | 235,812 | | | | | | 201,527 | | |
证券净(累加)摊销
|
| | | | (1,056) | | | | | | (7,046) | | |
Loan servicing rights
|
| | | | 333,995 | | | | | | 456,657 | | |
Deferred income taxes
|
| | | | (875,160) | | | | | | 24,007 | | |
出售小企业管理局贷款担保部分的净收益
|
| | | | (2,697,207) | | | | | | (3,552,245) | | |
经营性资产和负债变动
|
| | | | | | | | | | | | |
应计应收利息
|
| | | | (2,707,081) | | | | | | (23,675) | | |
Other assets
|
| | | | (231,213) | | | | | | 93,493 | | |
应计应付利息
|
| | | | (18,609) | | | | | | 209,606 | | |
Other liabilities
|
| | | | 1,738,216 | | | | | | 260,500 | | |
经营活动提供的现金净额
|
| | | | 4,468,618 | | | | | | 5,838,543 | | |
投资活动产生的现金流 | | | | | | | | | | | | | |
其他金融机构定期存款净变化
|
| | | | (249,001) | | | | | | — | | |
购买可供出售的证券
|
| | | | (5,597,712) | | | | | | — | | |
可供出售证券的催缴、到期日和本金所得收益
|
| | | | 7,036,632 | | | | | | 749,725 | | |
Net increase in loans
|
| | | | (204,187,195) | | | | | | (81,524,117) | | |
出售小企业管理局贷款担保部分的收益
|
| | | | 36,568,435 | | | | | | 58,663,734 | | |
Sale of real estate owned
|
| | | | 348,866 | | | | | | — | | |
出售(购买)限制性股票
|
| | | | 201,800 | | | | | | (179,400) | | |
购买银行房舍和设备,净额
|
| | | | (127,914) | | | | | | (471,053) | | |
投资活动中使用的净现金
|
| | | | (166,006,089) | | | | | | (22,761,111) | | |
融资活动产生的现金流 | | | | | | | | | | | | | |
Net change in deposits
|
| | | | 33,597,879 | | | | | | 24,708,117 | | |
FHLB预付款的收益
|
| | | | — | | | | | | 2,500,000 | | |
偿还FHLB预付款
|
| | | | (5,000,000) | | | | | | — | | |
联邦储备银行(“FRB”)借款收益
|
| | | | 182,521,351 | | | | | | — | | |
Cash dividends paid
|
| | | | (481,430) | | | | | | — | | |
行使股票期权的收益
|
| | | | 28,470 | | | | | | 80,175 | | |
融资活动提供的现金净额
|
| | | | 210,666,270 | | | | | | 27,288,292 | | |
现金和现金等价物净变化
|
| | | | 49,128,799 | | | | | | 10,365,724 | | |
年初的现金和现金等价物
|
| | | | 41,277,238 | | | | | | 30,911,514 | | |
年终现金和现金等价物
|
| | | $ | 90,406,037 | | | | | $ | 41,277,238 | | |
补充现金流信息 | | | | | | | | | | | | | |
Interest paid
|
| | | $ | 6,232,106 | | | | | $ | 6,571,271 | | |
Income taxes paid
|
| | | | 2,661,904 | | | | | | 1,629,421 | | |
| | | |||||
2021 | | | | $ | 1,849,055 | | |
| | | | | |
摊销 成本 |
| | | | |
毛收入 未实现 收益 |
| | | | |
毛收入 未实现 损失 |
| | | | |
公平 价值 |
| |
| 2020 | | | | | | | | | | | | | | | | | | | | | | | | | |
|
U.S. government agency
|
| | | $ | 350,000 | | | | | $ | 335 | | | | | $ | — | | | | | $ | 350,335 | | |
|
住房抵押贷款支持证券
|
| | | | 275,742 | | | | | | 10,291 | | | | | | (12) | | | | | | 286,021 | | |
|
Corporate bonds
|
| | | | 700,000 | | | | | | 1,210 | | | | | | — | | | | | | 701,210 | | |
| | | | | $ | 1,325,742 | | | | | $ | 11,836 | | | | | $ | (12) | | | | | $ | 1,337,566 | | |
| 2019 | | | | | | | | | | | | | | | | | | | | | | | | | |
|
U.S. government agency
|
| | | $ | 1,783,049 | | | | | $ | 15,934 | | | | | $ | (4,154) | | | | | $ | 1,794,829 | | |
|
住房抵押贷款支持证券
|
| | | | 480,548 | | | | | | 8,702 | | | | | | (2,296) | | | | | | 486,954 | | |
|
Corporate bonds
|
| | | | 500,000 | | | | | | — | | | | | | (3,704) | | | | | | 496,296 | | |
| | | | | $ | 2,763,597 | | | | | $ | 24,636 | | | | | $ | (10,154) | | | | | $ | 2,778,079 | | |
|
| | |
Amortized
Cost |
| |
Fair
Value |
| ||||||
Less than one year
|
| | | $ | — | | | | | $ | — | | |
One to five years
|
| | | | 1,050,000 | | | | | | 1,051,545 | | |
Five to ten years
|
| | | | — | | | | | | — | | |
Beyond ten years
|
| | | | — | | | | | | — | | |
Mortgage-backed
|
| | | | 275,742 | | | | | | 286,021 | | |
| | | | $ | 1,325,742 | | | | | $ | 1,337,566 | | |
| | |
Less Than 12 Months
|
| |
12 Months or Longer
|
| |
Total
|
| |||||||||||||||||||||||||||
| | |
Fair
Value |
| |
Unrealized
Losses |
| |
Fair
Value |
| |
Unrealized
Losses |
| |
Fair
Value |
| |
Unrealized
Losses |
| ||||||||||||||||||
December 31, 2020 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
U.S. government agency
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | |
Residential mortgage
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
backed securities
|
| | | | — | | | | | | — | | | | | | 5,634 | | | | | | (12) | | | | | | 5,634 | | | | | | (12) | | |
Corporate bonds
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
| | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | (12) | | | | | $ | — | | | | | $ | (12) | | |
December 31, 2019 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
U.S. government agency
|
| | | $ | — | | | | | $ | — | | | | | $ | 995,846 | | | | | $ | (4,154) | | | | | $ | 995,846 | | | | | $ | (4,154) | | |
Residential mortgage
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
backed securities
|
| | | | — | | | | | | — | | | | | | 76,474 | | | | | | (2,296) | | | | | | 76,474 | | | | | | (2,296) | | |
Corporate bonds
|
| | | | — | | | | | | — | | | | | | 496,296 | | | | | | (3,704) | | | | | | 496,296 | | | | | | (3,704) | | |
| | | | $ | — | | | | | $ | — | | | | | $ | 1,568,616 | | | | | $ | (10,154) | | | | | $ | 1,568,616 | | | | | $ | (10,154) | | |
| | |
2020
|
| |
2019
|
| ||||||
Real estate
|
| | | $ | 272,087,625 | | | | | $ | 279,813,216 | | |
Commercial
|
| | | | 232,192,454 | | | | | | 52,076,265 | | |
600.ns
|
| | | | 504,280,079 | | | | | | 331,889,481 | | |
递延贷款净成本(费用)
|
| | | | (2,682,718) | | | | | | 361,750 | | |
贷款损失准备
|
| | | | (8,354,694) | | | | | | (5,261,783) | | |
Net loans
|
| | | $ | 493,242,667 | | | | | $ | 326,989,448 | | |
| | |
Real Estate
|
| |
Commercial
|
| |
Total
|
| |||||||||
2020 | | | | | | | | | | | | | | | | | | | |
年初余额
|
| | | $ | 2,968,324 | | | | | $ | 2,293,459 | | | | | $ | 5,261,783 | | |
Charge-offs
|
| | | | — | | | | | | (374,303) | | | | | | (374,303) | | |
Recoveries
|
| | | | — | | | | | | 192,214 | | | | | | 192,214 | | |
贷款损失准备金
|
| | | | 817,376 | | | | | | 2,457,624 | | | | | | 3,275,000 | | |
Balance, end of year
|
| | | $ | 3,785,700 | | | | | $ | 4,568,994 | | | | | $ | 8,354,694 | | |
2019 | | | | | | | | | | | | | | | | | | | |
年初余额
|
| | | $ | 2,309,692 | | | | | $ | 2,413,295 | | | | | $ | 4,722,987 | | |
Charge-offs
|
| | | | — | | | | | | (2,566,000) | | | | | | (2,566,000) | | |
Recoveries
|
| | | | — | | | | | | 264,796 | | | | | | 264,796 | | |
贷款损失准备金
|
| | | | 658,632 | | | | | | 2,181,368 | | | | | | 2,840,000 | | |
Balance, end of year
|
| | | $ | 2,968,324 | | | | | $ | 2,293,459 | | | | | $ | 5,261,783 | | |
| | |
Real Estate
|
| |
Commercial
|
| |
Total
|
| |||||||||
December 31, 2020 | | | | | | | | | | | | | | | | | | | |
贷款损失准备
|
| | | | | | | | | | | | | | | | | | |
单独评估减损情况
|
| | | $ | — | | | | | $ | 390,939 | | | | | $ | 390,939 | | |
集体评估减值情况
|
| | | | 3,785,700 | | | | | | 4,178,055 | | | | | | 7,963,755 | | |
Ending balance
|
| | | $ | 3,785,700 | | | | | $ | 4,568,994 | | | | | $ | 8,354,694 | | |
Loans | | | | | | | | | | | | | | | | | | | |
单独评估减损情况
|
| | | $ | 9,443,415 | | | | | $ | 3,243,265 | | | | | $ | 12,686,680 | | |
集体评估减值情况
|
| | | | 262,644,210 | | | | | | 228,949,189 | | | | | | 491,593,399 | | |
Ending balance
|
| | | $ | 272,087,625 | | | | | $ | 232,192,454 | | | | | $ | 504,280,079 | | |
December 31, 2019 | | | | | | | | | | | | | | | | | | | |
贷款损失准备
|
| | | | | | | | | | | | | | | | | | |
单独评估减损情况
|
| | | $ | — | | | | | $ | 767,346 | | | | | $ | 767,346 | | |
集体评估减值情况
|
| | | | 2,968,324 | | | | | | 1,526,113 | | | | | | 4,494,437 | | |
Ending balance
|
| | | $ | 2,968,324 | | | | | $ | 2,293,459 | | | | | $ | 5,261,783 | | |
Loans | | | | | | | | | | | | | | | | | | | |
单独评估减损情况
|
| | | $ | 355,477 | | | | | $ | 3,878,439 | | | | | $ | 4,233,916 | | |
集体评估减值情况
|
| | | | 279,457,739 | | | | | | 48,197,826 | | | | | | 327,655,565 | | |
Ending balance
|
| | | $ | 279,813,216 | | | | | $ | 52,076,265 | | | | | $ | 331,889,481 | | |
| | |
Unpaid
Principal Balance |
| |
Recorded
Investment |
| |
Allowance
Recorded |
| |||||||||
December 31, 2020 | | | | | | | | | | | | | | | | | | | |
没有相关津贴记录的 | | | | | | | | | | | | | | | | | | | |
Real estate
|
| | | | | | | | | | | | | | | | | | |
Commercial
|
| | | $ | 9,603,687 | | | | | $ | 9,603,687 | | | | | | | | |
Multifamily
|
| | | | — | | | | | | — | | | | | | | | |
Commercial
|
| | | | 2,692,054 | | | | | | 2,692,054 | | | | | | | | |
有记录的津贴 | | | | | | | | | | | | | | | | | | | |
Real estate
|
| | | | | | | | | | | | | | | | | | |
Commercial
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | |
Multifamily
|
| | | | — | | | | | | — | | | | | | — | | |
Commercial
|
| | | | 722,954 | | | | | | 390,939 | | | | | | 390,939 | | |
December 31, 2019 | | | | | | | | | | | | | | | | | | | |
没有相关津贴记录的 | | | | | | | | | | | | | | | | | | | |
Real estate
|
| | | | | | | | | | | | | | | | | | |
Commercial
|
| | | $ | 355,477 | | | | | $ | 355,477 | | | | | | | | |
Multifamily
|
| | | | — | | | | | | — | | | | | | | | |
Commercial
|
| | | | 2,256,623 | | | | | | 2,256,623 | | | | | | | | |
有记录的津贴 | | | | | | | | | | | | | | | | | | | |
Real estate
|
| | | | | | | | | | | | | | | | | | |
Commercial
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | |
Multifamily
|
| | | | — | | | | | | — | | | | | | — | | |
Commercial
|
| | | | 1,621,816 | | | | | | 1,621,816 | | | | | | 767,346 | | |
| | |
December 31, 2020
|
| |
December 31, 2019
|
| ||||||||||||||||||
| | |
Nonaccrual
|
| |
Past Due
90 Days Still on Accrual |
| |
Nonaccrual
|
| |
Past Due
90 Days Still on Accrual |
| ||||||||||||
Real estate | | | | | | | | | | | | | | | | | | | | | | | | | |
Commercial
|
| | | $ | 4,135,669 | | | | | $ | — | | | | | $ | 355,477 | | | | | $ | — | | |
Multifamily
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Residential
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Commercial
|
| | | | 2,105,184 | | | | | | — | | | | | | 1,910,671 | | | | | | — | | |
| | | | $ | 6,240,853 | | | | | $ | — | | | | | $ | 2,266,148 | | | | | $ | — | | |
| | |
30 – 59
Days Past Due |
| |
60 – 89
Days Past Due |
| |
Greater Than
90 Days Past Due |
| |
Total
Past Due |
| |
Loans Not
Past Due |
| |||||||||||||||
December 31, 2020 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Real estate | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Commercial
|
| | | $ | — | | | | | $ | — | | | | | $ | 4,135,669 | | | | | $ | 4,135,689 | | | | | $ | 186,860,710 | | |
Multifamily
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 42,366,824 | | |
Residential
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 38,724,422 | | |
Commercial
|
| | | | — | | | | | | — | | | | | | 2,105,184 | | | | | | 2,105,184 | | | | | | 230,087,270 | | |
| | | | $ | — | | | | | $ | — | | | | | $ | 6,240,853 | | | | | $ | 6,240,853 | | | | | $ | 498,039,226 | | |
December 31, 2019 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Real estate | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Commercial
|
| | | $ | 474,059 | | | | | $ | 115,000 | | | | | $ | 355,477 | | | | | $ | 944,536 | | | | | $ | 183,080,338 | | |
Multifamily
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 49,282,430 | | |
Residential
|
| | | | 312,328 | | | | | | 1,087,853 | | | | | | — | | | | | | 1,400,181 | | | | | | 45,105,731 | | |
Commercial
|
| | | | 1,593,397 | | | | | | 1,055,412 | | | | | | 1,910,671 | | | | | | 4,559,480 | | | | | | 47,516,785 | | |
| | | | $ | 2,379,784 | | | | | $ | 2,258,265 | | | | | $ | 2,266,148 | | | | | $ | 6,904,197 | | | | | $ | 324,985,284 | | |
| | |
Pass
|
| |
Special
Mention |
| |
Substandard
|
| |
Doubtful
|
| ||||||||||||
December 31, 2020 | | | | | | | | | | | | | | | | | | | | | | | | | |
Real estate | | | | | | | | | | | | | | | | | | | | | | | | | |
Commercial
|
| | | $ | 169,299,626 | | | | | $ | 12,093,066 | | | | | $ | 9,603,687 | | | | | $ | — | | |
Multifamily
|
| | | | 42,366,824 | | | | | | — | | | | | | — | | | | | | — | | |
Residential
|
| | | | 38,724,422 | | | | | | — | | | | | | — | | | | | | — | | |
Commercial
|
| | | | 217,075,279 | | | | | | 11,515,553 | | | | | | 3,601,622 | | | | | | — | | |
| | | | $ | 467,466,151 | | | | | $ | 23,608,619 | | | | | $ | 13,205,309 | | | | | $ | — | | |
December 31, 2019 | | | | | | | | | | | | | | | | | | | | | | | | | |
Real estate | | | | | | | | | | | | | | | | | | | | | | | | | |
Commercial
|
| | | $ | 182,319,337 | | | | | $ | 1,350,060 | | | | | $ | 355,477 | | | | | $ | — | | |
Multifamily
|
| | | | 49,282,430 | | | | | | — | | | | | | — | | | | | | — | | |
Residential
|
| | | | 46,505,912 | | | | | | — | | | | | | — | | | | | | — | | |
Commercial
|
| | | | 46,079,403 | | | | | | 3,214,727 | | | | | | 2,782,135 | | | | | | — | | |
| | | | $ | 324,187,082 | | | | | $ | 4,564,787 | | | | | $ | 3,137,612 | | | | | $ | — | | |
| | |
2020
|
| |
2019
|
| ||||||
还款权: | | | | | | | | | | | | | |
Beginning of year
|
| | | $ | 2,724,436 | | | | | $ | 1,937,897 | | |
Additions
|
| | | | 787,818 | | | | | | 1,243,196 | | |
Change in fair value
|
| | | | (334,065) | | | | | | (456,657) | | |
End of year
|
| | | $ | 3,178,189 | | | | | $ | 2,724,436 | | |
| | |
公允价值计量
|
| |||||||||||||||
| | |
Quoted Prices
In Active Markets for Identical Assets (Level 1) |
| |
Significant
Other Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| |||||||||
December 31, 2020 | | | | | | | | | | | | | | | | | | | |
Recurring basis
|
| | | | | | | | | | | | | | | | | | |
可供出售的证券
|
| | | $ | — | | | | | $ | 1,337,566 | | | | | $ | — | | |
Loan servicing rights
|
| | | | — | | | | | | — | | | | | | 3,178,189 | | |
| | |
公允价值计量
|
| |||||||||||||||
| | |
Quoted Prices
In Active Markets for Identical Assets (Level 1) |
| |
Significant
Other Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| |||||||||
Non-recurring basis
|
| | | | | | | | | | | | | | | | | | |
Impaired loans
|
| | | | — | | | | | | — | | | | | | — | | |
Other real estate owned
|
| | | | — | | | | | | — | | | | | | 1,500,257 | | |
December 31, 2019 | | | | | | | | | | | | | | | | | | | |
Recurring basis
|
| | | | | | | | | | | | | | | | | | |
可供出售的证券
|
| | | $ | — | | | | | $ | 2,778,079 | | | | | $ | — | | |
Loan servicing rights
|
| | | | — | | | | | | — | | | | | | 2,724,436 | | |
Non-recurring basis
|
| | | | | | | | | | | | | | | | | | |
Impaired loans
|
| | | | — | | | | | | — | | | | | | 854,470 | | |
Other real estate owned
|
| | | | — | | | | | | — | | | | | | 1,737,257 | | |
| | |
Carrying
Amount |
| |
Fair
Value |
| |
Level 1
|
| |
Level 2
|
| |
Level 3
|
| |||||||||||||||
December 31, 2020 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Financial assets | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
现金和现金等价物
|
| | | $ | 90,406 | | | | | $ | 90,406 | | | | | $ | 90,406 | | | | | $ | — | | | | | $ | — | | |
Time deposits in other
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
金融机构
|
| | | | 1,849 | | | | | | 1,849 | | | | | | 1,849 | | | | | | — | | | | | | — | | |
可供出售的证券
|
| | | | 1,338 | | | | | | 1,338 | | | | | | — | | | | | | 1,338 | | | | | | — | | |
Loans, net
|
| | | | 493,243 | | | | | | 492,222 | | | | | | — | | | | | | — | | | | | | 492,222 | | |
Restricted stock
|
| | | | 768 | | | | | | 不适用 | | | | | | 不适用 | | | | | | 不适用 | | | | | | 不适用 | | |
应计应收利息
|
| | | | 4,278 | | | | | | 4,278 | | | | | | — | | | | | | 4,278 | | | | | | — | | |
| | |
Carrying
Amount |
| |
Fair
Value |
| |
Level 1
|
| |
Level 2
|
| |
Level 3
|
| |||||||||||||||
财务负债 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Total deposits
|
| | | $ | 359,453 | | | | | $ | 361,551 | | | | | $ | — | | | | | $ | 361,551 | | | | | $ | — | | |
Borrowings
|
| | | | 190,021 | | | | | | 190,310 | | | | | | — | | | | | | 190,310 | | | | | | — | | |
应计应付利息
|
| | | | 1,030 | | | | | | 1,030 | | | | | | — | | | | | | 1,030 | | | | | | — | | |
December 31, 2019 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Financial assets | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
现金和现金等价物
|
| | | $ | 41,277 | | | | | $ | 41,277 | | | | | $ | 41,277 | | | | | $ | — | | | | | $ | — | | |
其他金融机构的定期存款
|
| | | | 1,600 | | | | | | 1,600 | | | | | | 1,600 | | | | | | — | | | | | | — | | |
可供出售的证券
|
| | | | 2,778 | | | | | | 2,778 | | | | | | — | | | | | | 2,778 | | | | | | — | | |
Loans, net
|
| | | | 326,989 | | | | | | 323,520 | | | | | | — | | | | | | — | | | | | | 323,520 | | |
Restricted stock
|
| | | | 970 | | | | | | 不适用 | | | | | | 不适用 | | | | | | 不适用 | | | | | | 不适用 | | |
应计应收利息
|
| | | | 1,571 | | | | | | 1,571 | | | | | | — | | | | | | 1,571 | | | | | | — | | |
财务负债 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Total deposits
|
| | | $ | 325,855 | | | | | $ | 326,352 | | | | | $ | — | | | | | $ | 326,352 | | | | | $ | — | | |
Borrowings
|
| | | | 12,500 | | | | | | 12,687 | | | | | | — | | | | | | 12,687 | | | | | | — | | |
应计应付利息
|
| | | | 1,049 | | | | | | 1,049 | | | | | | — | | | | | | 1,049 | | | | | | — | | |
| | |
2020
|
| |
2019
|
| ||||||
租赁改进
|
| | | $ | 258,619 | | | | | $ | 251,510 | | |
家具和设备
|
| | | | 540,477 | | | | | | 447,601 | | |
计算机硬件和软件
|
| | | | 664,002 | | | | | | 636,073 | | |
| | | | | 1,463,098 | | | | | | 1,335,184 | | |
减去:累计折旧
|
| | | | (990,377) | | | | | | (754,565) | | |
房舍和设备,净额
|
| | | $ | 472,721 | | | | | $ | 580,618 | | |
|
2021
|
| | | $ | 596,670 | | |
|
2022
|
| | | | 616,693 | | |
|
2023
|
| | | | 616,693 | | |
|
2024
|
| | | | 616,693 | | |
|
2025
|
| | | | 616,693 | | |
|
Thereafter
|
| | | | 308,346 | | |
| | | | | $ | 3,371,788 | | |
|
2021
|
| | | $ | 106,238,847 | | |
|
2022
|
| | | | 49,267,848 | | |
|
2023
|
| | | | 22,477,317 | | |
|
2024
|
| | | | 16,723,395 | | |
|
2025
|
| | | | 14,887,025 | | |
|
Thereafter
|
| | | | 1,261,101 | | |
| | | | | $ | 210,855,533 | | |
| | |
2020
|
| |
2019
|
| ||||||
固定费率预付款,平均2.85%
|
| | | $ | 7,500,000 | | | | | $ | 12,500,000 | | |
|
2021
|
| | | $ | — | | |
|
2022
|
| | | | — | | |
|
2023
|
| | | | 7,500,000 | | |
|
2024
|
| | | | — | | |
|
2025
|
| | | | — | | |
| | | | | $ | 7,500,000 | | |
| | |
Shares
|
| |
Weighted
Average Exercise Price |
| |
Weighted
Average Remaining Contractual Term (Years) |
| |
Aggregate
Intrinsic Value |
| ||||||||||||
December 31, 2020 | | | | | | | | | | | | | | | | | | | | | | | | | |
年初业绩突出
|
| | | | 625,401 | | | | | $ | 1.53 | | | | | | | | | | | | | | |
Granted
|
| | | | — | | | | | | — | | | | | | | | | | | | | | |
Exercised
|
| | | | (18,980) | | | | | | 1.50 | | | | | | | | | | | | | | |
Forfeited or expired
|
| | | | — | | | | | | — | | | | | | | | | | | | | | |
年底业绩突出
|
| | | | 606,421 | | | | | $ | 1.54 | | | | | | 4.12 | | | | | $ | 1,451,900 | | |
年底可行使
|
| | | | 606,421 | | | | | | 1.54 | | | | | | 4.12 | | | | | $ | 1,451,900 | | |
December 31, 2019 | | | | | | | | | | | | | | | | | | | | | | | | | |
年初业绩突出
|
| | | | 686,883 | | | | | $ | 1.53 | | | | | | | | | | | | | | |
Granted
|
| | | | — | | | | | | — | | | | | | | | | | | | | | |
Exercised
|
| | | | (53,450) | | | | | | 1.50 | | | | | | | | | | | | | | |
Forfeited or expired
|
| | | | (8,032) | | | | | | 1.50 | | | | | | | | | | | | | | |
年底业绩突出
|
| | | | 625,401 | | | | | $ | 1.53 | | | | | | 5.14 | | | | | $ | 53,393 | | |
年底可行使
|
| | | | 625,401 | | | | | $ | 53,393 | | | | | | | | | | | | | | |
| | |
2020
|
| |
2019
|
| ||||||
Current expense
|
| | | $ | 3,150,163 | | | | | $ | 1,648,614 | | |
递延费用(福利)
|
| | | | (875,160) | | | | | | 24,007 | | |
Total income tax expense
|
| | | $ | 2,275,003 | | | | | $ | 1,672,621 | | |
| | |
2020
|
| |
2019
|
| ||||||
Deferred tax assets
|
| | | $ | 3,628,468 | | | | | $ | 2,492,805 | | |
递延纳税义务
|
| | | | (499,142) | | | | | | (239,195) | | |
Net deferred tax assets
|
| | | $ | 3,129,326 | | | | | $ | 2,253,610 | | |
| | |
2020
|
| |
2019
|
| ||||||
承诺展期信贷
|
| | | $ | 13,766,282 | | | | | $ | 12,045,142 | | |
备用信用证
|
| | | | 800,262 | | | | | | 800,262 | | |
| | |
Actual
|
| |
Required
For Capital Adequacy Purposes |
| |
To Be Well
Capitalized Under Prompt Corrective Action Regulations |
| |||||||||||||||||||||||||||
| | |
Amount
|
| |
Ratio
|
| |
Amount
|
| |
Ratio
|
| |
Amount
|
| |
Ratio
|
| ||||||||||||||||||
2020 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
总资本与风险加权资产之比
|
| | | $ | 49,216 | | | | | | 16.28% | | | | | $ | 24,185 | | | | | | 8.00% | | | | | $ | 30,232 | | | | | | 10.00% | | |
一级(核心)资本与风险加权资产之比
|
| | | | 45,380 | | | | | | 15.01 | | | | | | 18,139 | | | | | | 6.00 | | | | | | 24,185 | | | | | | 8.00 | | |
风险加权资产的通用第1级(CET1)
|
| | | | 45,380 | | | | | | 15.01 | | | | | | 13,604 | | | | | | 4.50 | | | | | | 19,651 | | | | | | 6.50 | | |
一级(核心)资本到平均资产
|
| | | | 45,380 | | | | | | 10.66 | | | | | | 17,024 | | | | | | 4.00 | | | | | | 21,280 | | | | | | 5.00 | | |
2019 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
总资本与风险加权资产之比
|
| | | $ | 44,605 | | | | | | 14.18% | | | | | $ | 24,860 | | | | | | 8.00% | | | | | $ | 31,075 | | | | | | 10.00% | | |
一级(核心)资本与风险加权资产之比
|
| | | | 40,163 | | | | | | 12.92 | | | | | | 18,645 | | | | | | 6.00 | | | | | | 24,860 | | | | | | 8.00 | | |
风险加权资产的通用第1级(CET1)
|
| | | | 40,163 | | | | | | 12.92 | | | | | | 13,984 | | | | | | 4.50 | | | | | | 20,198 | | | | | | 6.50 | | |
一级(核心)资本到平均资产
|
| | | | 40,163 | | | | | | 10.62 | | | | | | 15,132 | | | | | | 4.00 | | | | | | 18,915 | | | | | | 5.00 | | |
| Accounting Firm | | | 3.6(a) | |
| Advisory Firm | | | 3.7(a) | |
| Agreement | | | Preamble | |
| Arbitrator | | | 1.4(f) | |
| Bank | | | Preamble | |
| BHC | | | 1.1 | |
| BOLI | | | 3.16(g) | |
| Cash Consideration | | | 1.4(b) | |
| Certificates | | | 1.4(d) | |
| Claim; Claims | | | 6.7(a) | |
| Closing | | | 1.2 | |
| Closing Date | | | 1.2 | |
| Code | | | 1.13 | |
| 保密协议 | | | 5.2(a) | |
| Covered Person | | | 3.19 | |
| CRA | | | 3.13(b) | |
| Cut-off Date | | | 8.1(c) | |
| Deferred Loan | | | 3.20(b) | |
| 衍生品合同 | | | 3.21(b) | |
| Dissenting Shares | | | 1.14 | |
| 持异议的股东 | | | 1.14 | |
| DOL | | | 3.11(b) | |
| Effective Time | | | 1.2 | |
| 雇佣协议 | | | Recital D | |
| ERISA | | | 3.11(a) | |
| ERISA Affiliate | | | 3.11(a) | |
| Exchange Agent | | | 1.8 | |
| Exchange Fund | | | 2.1 | |
| 排除了萨沃伊选项 | | | 1.5 | |
| FDIC | | | 1.1 | |
| Filing Documents | | | 6.1(d) | |
| First Merger | | | Recital B | |
| FRB | | | 1.1 | |
| 政府实体 | | | 3.4 | |
| Hanover | | | Preamble | |
| 汉诺威普通股 | | | 1.4(b) | |
| 汉诺威披露时间表 | | |
Article IV Lead-in
|
|
| 汉诺威股权奖 | | | 4.2(b) | |
| 汉诺威财务报表 | | | 4.6(a) | |
| 汉诺威优先股 | | | 4.2(a) | |
| Hanover Property | | | 4.16(d) | |
| 汉诺威监管机构 | | | 4.5(a) | |
| 汉诺威监管协议 | | | 4.12 | |
| 汉诺威股票激励计划 | | | 4.2(a) | |
| 汉诺威会计师事务所 | | | 4.6(d) | |
| High Risk Loans | | | 3.20(f) | |
| Indemnitees | | | 6.7(a) | |
| 知识产权 | | | 3.23(i)(1) | |
| 非自愿终止 | | | 6.9 | |
| IRS | | | 3.10(a) | |
| IT Assets | | | 3.23(i)(2) | |
| 递送函 | | | 2.2(a) | |
| 经许可的知识产权 | | | 3.23(i)(3) | |
| Loan | | | 3.20(a) | |
| Loan Policy | | | 5.1(p) | |
| 非常繁重的监管条件 | | | 6.1(c) | |
| Materials | | | 6.5 | |
| Mergers | | | Recital B | |
| 合并考虑因素 | | | 1.4(a) | |
| Minimum Capital | | | 1.4(b)(3) | |
| MSLF | | | 5.1(p) | |
| Newco | | | Recital B | |
| Notice of Dispute | | | 1.4(f) | |
| 上级提案通知 | | | 5.2(b) | |
| OREO | | | 3.20(b) | |
| 拥有知识产权 | | | 3.23(i)(4) | |
| Parties | | | Preamble | |
| Party | | | Preamble | |
| 每股现金对价 | | | 1.4(b)(1) | |
| 每股合并对价 | | | 1.4(a) | |
| 每股股票对价 | | | 1.4(b)(2) | |
| 个人财产租赁 | | | 3.16I | |
| Pledged Shares | | | 1.4(c) | |
| PLP Status | | | 3.31(a) | |
| Proxy Statement | | | 3.4 | |
| 不动产租赁;不动产租赁 | | | 3.16(a) | |
| Registered | | | 3.23(i)(5) | |
| 监管协议 | | | 3.15 | |
| Rules | | | 1.4(f) | |
| Savoy | | | Preamble | |
| 萨沃伊收购方案 | | |
5.2(d)(i) and 8.5(b)
|
|
| Savoy Benefit Plans | | | 3.11(a) | |
| 萨沃伊董事会建议 | | | 3.3(a) | |
| 萨沃伊结业费用 | | | 3.30 | |
| Savoy Common Stock | | | 1.4(a) | |
| Savoy Contract | | | 3.14(h) | |
| 萨沃伊披露时间表 | | |
Article III Lead-in
|
|
| 萨沃伊财务报表 | | | 3.6(a) | |
| Savoy Options | | | 1.5 | |
| 萨沃伊拥有的物业 | | | 3.16(a) | |
| Savoy Pension Plans | | | 3.11(a) | |
| 萨沃伊属性;萨沃伊属性 | | | 3.16(a) | |
| 萨沃伊监管机构 | | | 3.5(a) | |
| 萨沃伊股东批准 | | | 5.2(a) | |
| 萨沃伊股东事务 | | | 3.3(a) | |
| 萨沃伊股东大会 | | | 6.3 | |
| 萨沃伊后续判定 | | | 5.2(b) | |
| Savoy TBV Statement | | | 1.4(f) | |
| Savoy Welfare Plans | | | 3.11(a) | |
| SBA | | | 3.31(a) | |
| SBA Loan | | | 3.31(b) | |
| Second Merger | | | Recital B | |
| 汉诺威股票对价声明 | | | 1.4(f) | |
| Statements | | | 1.4(f) | |
| 股票对价 | | | 1.4(b) | |
| Superintendent | | | 1.1 | |
| Surviving Bank | | | 1.1 | |
| Systems | | | 3.27 | |
| S-4 | | | 3.4 | |
| Tax; Taxes | | | 3.10(h)(i) | |
| Tax Return | | | 3.10(h)(ii) | |
| Termination Fee | | | 8.5(a)(i) | |
| Trade Secrets | | | 3.23(i)(1) | |
| 信托帐户共享 | | | 1.4(c)(ii)(A)(b) | |
| Voting Agreement | | | 1.7 | |
| Voting Agreements | | | Recital C | |
| | | | Shareholder: | | |
|
|
| | | | Signature: | | |
|
|
| | | | Title, if applicable: | | |
|
|
| | | | Owned Shares: | | |
|
|
| | | |
Jointly Owned Shares:
|
| |
|
|
| | | | Notice Address: | | |
|
|
| | | |
|
|
| HANOVER BANCORP, INC. | | | SAVOY BANK | |
|
By:
/s/ Michael P. Puorro
Michael P. Puorro
Chairman & CEO |
| |
By:
/s/ McClelland Wilcox
McClelland Wilcox
President & CEO |
|
| 汉诺威社区银行 | | | | |
|
By:
/s/ Michael P. Puorro
Michael P. Puorro
Chairman & CEO |
| | | |
|
Exhibit
No. |
| |
Description
|
| ||||||
| | 2.1 | | | |
汉诺威银行、汉诺威银行和萨沃伊银行的合并协议和计划,日期为2020年8月27日。
|
| |
作为委托书附件A/ 本注册所载招股章程 声明。注册人同意提供 美国证券交易委员会, 如有要求,请提供此文件的时间表副本 协议。某些时间表及展品 已从#年的协议中省略 提交给美国证券交易委员会的合并申请。被省略的 信息被认为是无关紧要的 投资者的观点。注册人将 向美国证券交易委员会补充提供一份 任何遗漏的时间表或展览应要求 来自美国证券交易委员会。 |
| |
| | 3.1(i) | | | |
重新开具的注册证书
|
| | Previously Filed | | |
| | 3.1(ii) | | | |
Bylaws
|
| | Previously Filed | | |
| | 4.1 | | | | 界定担保持有人权利的文书,包括契约(见附件3.1(1)和3.1(2))。 | | | Previously Filed | | |
| | 5.1 | | | |
温德尔斯·马克思·莱恩和米滕多夫的观点,
关于证券的合法性的有限责任公司 registered |
| | Previously Filed | | |
| | 8.1 | | | |
温德尔斯·马克思·莱恩和米滕多夫的观点,
关于合并的税务后果的有限责任公司 |
| | Previously Filed | | |
| | 10.1 | | | | Michael P.Puorro和汉诺威社区银行之间修订和重新签署的雇佣协议自2015年1月1日起生效 | | | Previously Filed | | |
| | 10.2 | | | |
第二次修订和重新聘用
协议自7月24日起生效, 2017年,Brian Finneran和Brian Finneran之间 汉诺威社区银行 |
| | Previously Filed | | |
| | 10.3 | | | |
与
的控制协议变更格式 爱丽丝·罗斯、丽莎·迪奥里奥、凯文·科比特和 Deonisia Chardavyne |
| | Previously Filed | | |
| | 10.4 | | | |
汉诺威社区银行2013年股票期权
Plan |
| | Previously Filed | | |
| | 10.5 | | | |
汉诺威社区银行2015年度限制性股票计划
|
| | Previously Filed | | |
| | 10.6 | | | |
汉诺威社区银行2016年股票期权
Plan |
| | Previously Filed | | |
| | 10.7 | | | |
2018 Equity Compensation Plan
|
| | Previously Filed | | |
| | 10.8 | | | |
Hanover Bancorp,Inc.与
|
| | Previously Filed | |
|
Exhibit
No. |
| |
Description
|
| ||||||
| | | | | | 美国银行全国协会,日期:2020年10月7日 | | | | | |
| | 10.9 | | | | Hanover Bancorp,Inc.和美国银行全国协会之间的第一份补充契约,日期为2020年10月7日 | | | Previously Filed | | |
| | 21.1 | | | |
Subsidiaries
|
| | Previously Filed | | |
| | 23.1 | | | |
温德尔斯·马克思·莱恩和米滕多夫同意,
LLP |
| | Included as part of Exhibit 5.1 | | |
| | 23.2 | | | |
Crowe LLP对Hanover Bancorp,Inc.的同意
|
| | Filed herewith | | |
| | 23.3 | | | |
Crowe LLP对萨沃伊银行的同意
|
| | Filed herewith | | |
| | 24.1 | | | |
Power of Attorney
|
| | Previously Filed | | |
| | 99.1 | | | |
萨沃伊银行股东特别大会代理卡格式
|
| | Previously Filed | | |
| | 99.2 | | | |
詹尼·蒙哥马利·斯科特同意
|
| | Previously Filed | | |
| | 99.3 | | | |
Consent to Serve as Director
|
| | Previously Filed | | |
| | 99.4 | | | |
Consent to Serve as Director
|
| | Previously Filed | |
|
Signature
|
| |
Title
|
| |
Date
|
|
|
*
Varkey Abraham
|
| |
Director
|
| |
April 13, 2021
|
|
|
*
Frank Carone
|
| |
Director
|
| |
April 13, 2021
|
|
|
*
Brian Finneran
|
| |
总裁兼首席财务官
(首席会计官) |
| |
April 13, 2021
|
|
|
*
Robert Golden
|
| |
Director
|
| |
April 13, 2021
|
|
|
*
Ahron Haspel
|
| |
Director
|
| |
April 13, 2021
|
|
|
*
Michael Katz
|
| |
Director
|
| |
April 13, 2021
|
|
|
*
Philip Okun
|
| |
Director
|
| |
April 13, 2021
|
|
|
/s/ Michael Puorro
Michael Puorro
|
| |
董事长兼首席执行官
(首席执行官) |
| |
April 13, 2021
|
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|
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John Sorrenti
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Director
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April 13, 2021
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* Michael P. Puorro
Michael P.Puorro,事实律师
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