2013 Q4 Form 10-Q Financial Statement

#000101617814000006 Filed on February 13, 2014

View on sec.gov

Income Statement

Concept 2013 Q4 2012 Q4 2012 Q3
Revenue $5.025M $4.717M $4.864M
YoY Change 6.53% -6.72% -14.32%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $270.0K $290.0K $260.0K
YoY Change -6.9% -14.71% -33.33%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit -$823.0K $474.0K -$138.0K
YoY Change -273.63% -169.71% -98.54%
Interest Expense $979.0K $1.210M $1.253M
YoY Change -19.09% -165.26% -171.03%
% of Operating Profit 255.27%
Other Income/Expense, Net $2.357M $2.552M $2.217M
YoY Change -7.64% -8.46% -11.74%
Pretax Income -$964.0K $352.0K -$152.0K
YoY Change -373.86% -115.45% -98.13%
Income Tax $6.000K -$68.00K -$37.00K
% Of Pretax Income -19.32%
Net Earnings -$970.0K $284.0K -$188.0K
YoY Change -441.55% -122.27% -97.74%
Net Earnings / Revenue -19.3% 6.02% -3.87%
Basic Earnings Per Share -$0.22 $0.13 -$0.04
Diluted Earnings Per Share -$0.22 $0.13 -$0.04
COMMON SHARES
Basic Shares Outstanding 3.696M shares 3.695M shares 3.695M shares
Diluted Shares Outstanding

Balance Sheet

Concept 2013 Q4 2012 Q4 2012 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $215.0M $241.4M $246.4M
YoY Change -10.92% 38.79% 76.6%
Cash & Equivalents $118.3M $121.9M $121.9M
Short-Term Investments $96.69M $119.5M $124.5M
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $8.016M $8.885M $9.084M
YoY Change -9.78% -10.05% -12.93%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $638.6M $640.6M $638.3M
YoY Change -0.31% -4.49% -5.86%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities
YoY Change
LONG-TERM LIABILITIES
Long-Term Debt $0.00 $0.00 $0.00
YoY Change
Other Long-Term Liabilities $8.800M $10.00M $11.30M
YoY Change -12.0% 8.7% -5.04%
Total Long-Term Liabilities $8.800M $10.00M $11.30M
YoY Change -12.0% 8.7% -5.04%
TOTAL LIABILITIES
Total Short-Term Liabilities
Total Long-Term Liabilities $8.800M $10.00M $11.30M
Total Liabilities $588.2M $585.0M $583.1M
YoY Change 0.54% -3.75% -5.07%
SHAREHOLDERS EQUITY
Retained Earnings -$43.80M -$45.13M -$45.60M
YoY Change -2.93% 18.93% 22.46%
Common Stock
YoY Change
Preferred Stock
YoY Change
Treasury Stock (at cost) $417.0K $417.0K $417.0K
YoY Change 0.0% -6.71% -14.55%
Treasury Stock Shares 1.944K shares 1.944K shares 1.944K shares
Shareholders Equity $50.70M $55.50M $54.40M
YoY Change
Total Liabilities & Shareholders Equity $638.6M $640.6M $638.3M
YoY Change -0.31% -4.49% -5.86%

Cashflow Statement

Concept 2013 Q4 2012 Q4 2012 Q3
OPERATING ACTIVITIES
Net Income -$970.0K $284.0K -$188.0K
YoY Change -441.55% -122.27% -97.74%
Depreciation, Depletion And Amortization $270.0K $290.0K $260.0K
YoY Change -6.9% -14.71% -33.33%
Cash From Operating Activities $1.160M $8.710M $6.470M
YoY Change -86.68% -41.39% 17.42%
INVESTING ACTIVITIES
Capital Expenditures -$40.00K -$100.0K -$30.00K
YoY Change -60.0% 400.0% -57.14%
Acquisitions
YoY Change
Other Investing Activities $6.810M $17.90M -$16.67M
YoY Change -61.96% -30.86% -178.3%
Cash From Investing Activities $6.770M $17.81M -$16.70M
YoY Change -61.99% -31.13% -178.66%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 4.530M 3.270M -8.700M
YoY Change 38.53% -180.34% -195.19%
NET CHANGE
Cash From Operating Activities 1.160M 8.710M 6.470M
Cash From Investing Activities 6.770M 17.81M -16.70M
Cash From Financing Activities 4.530M 3.270M -8.700M
Net Change In Cash 12.46M 29.79M -18.93M
YoY Change -58.17% -18.72% -152.76%
FREE CASH FLOW
Cash From Operating Activities $1.160M $8.710M $6.470M
Capital Expenditures -$40.00K -$100.0K -$30.00K
Free Cash Flow $1.200M $8.810M $6.500M
YoY Change -86.38% -40.79% 16.49%

Facts In Submission

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31022000 USD
CY2013Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
26927000 USD
CY2013Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
1251000 USD
CY2013Q1 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
2311000 USD
CY2013Q1 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
33290000 USD
CY2013Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
27997000 USD
us-gaap Income Loss Attributable To Noncontrolling Interest
IncomeLossAttributableToNoncontrollingInterest
36000 USD
CY2012Q4 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
352000 USD
us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
777000 USD
CY2013Q4 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
-248000 USD
us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
-888000 USD
CY2013Q4 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
6000 USD
CY2012Q4 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
68000 USD
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
94000 USD
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
264000 USD
us-gaap Income Taxes Paid
IncomeTaxesPaid
130000 USD
us-gaap Income Taxes Paid
IncomeTaxesPaid
49000 USD
us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
103000 USD
us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
373000 USD
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
-30948000 USD
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
-11733000 USD
us-gaap Increase Decrease In Loans Deferred Income
IncreaseDecreaseInLoansDeferredIncome
308000 USD
us-gaap Increase Decrease In Loans Deferred Income
IncreaseDecreaseInLoansDeferredIncome
1266000 USD
CY2012Q4 us-gaap Increase Decrease In Loans Held For Sale
IncreaseDecreaseInLoansHeldForSale
0 USD
us-gaap Increase Decrease In Loans Held For Sale
IncreaseDecreaseInLoansHeldForSale
-232000 USD
us-gaap Increase Decrease In Loans Held For Sale
IncreaseDecreaseInLoansHeldForSale
0 USD
CY2013Q4 us-gaap Increase Decrease In Loans Held For Sale
IncreaseDecreaseInLoansHeldForSale
0 USD
us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
-1649000 USD
us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
-2125000 USD
us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
-556000 USD
us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
83000 USD
us-gaap Increase Decrease In Restricted Cash
IncreaseDecreaseInRestrictedCash
-4110000 USD
us-gaap Increase Decrease In Restricted Cash
IncreaseDecreaseInRestrictedCash
0 USD
us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
826000 USD
CY2013Q4 us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
244000 USD
CY2012Q4 us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
326000 USD
us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
842000 USD
us-gaap Interest Expense Deposits
InterestExpenseDeposits
2078000 USD
us-gaap Interest Expense Deposits
InterestExpenseDeposits
2750000 USD
CY2012Q4 us-gaap Interest Expense Deposits
InterestExpenseDeposits
868000 USD
CY2012Q4 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
5115000 USD
us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
15276000 USD
us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
17516000 USD
CY2013Q4 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
6004000 USD
us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
18194000 USD
CY2012Q4 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
5927000 USD
CY2013Q4 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
5412000 USD
us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
16398000 USD
CY2012Q4 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
5325000 USD
us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
15590000 USD
us-gaap Interest Expense
InterestExpense
3783000 USD
CY2013Q4 us-gaap Interest Expense
InterestExpense
979000 USD
us-gaap Interest Expense
InterestExpense
2966000 USD
CY2012Q4 us-gaap Interest Expense
InterestExpense
1210000 USD
CY2012Q4 us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
342000 USD
us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
1033000 USD
us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
888000 USD
CY2013Q4 us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
285000 USD
CY2013Q4 us-gaap Interest Expense Deposits
InterestExpenseDeposits
694000 USD
us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
14025000 USD
CY2013Q4 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
6077000 USD
CY2012Q4 us-gaap Interest Income Money Market Deposits
InterestIncomeMoneyMarketDeposits
38000 USD
us-gaap Interest Income Money Market Deposits
InterestIncomeMoneyMarketDeposits
121000 USD
us-gaap Interest Income Money Market Deposits
InterestIncomeMoneyMarketDeposits
156000 USD
CY2013Q4 us-gaap Interest Income Money Market Deposits
InterestIncomeMoneyMarketDeposits
32000 USD
us-gaap Interest Income Securities Mortgage Backed
InterestIncomeSecuritiesMortgageBacked
796000 USD
CY2013Q4 us-gaap Interest Income Securities Mortgage Backed
InterestIncomeSecuritiesMortgageBacked
247000 USD
us-gaap Interest Income Securities Mortgage Backed
InterestIncomeSecuritiesMortgageBacked
783000 USD
CY2012Q4 us-gaap Interest Income Securities Mortgage Backed
InterestIncomeSecuritiesMortgageBacked
215000 USD
us-gaap Interest Paid
InterestPaid
2669000 USD
us-gaap Interest Paid
InterestPaid
3480000 USD
CY2013Q4 us-gaap Interest Receivable Current
InterestReceivableCurrent
2620000 USD
CY2013Q1 us-gaap Interest Receivable Current
InterestReceivableCurrent
2247000 USD
us-gaap Investment Income Interest
InvestmentIncomeInterest
1009000 USD
us-gaap Investment Income Interest
InvestmentIncomeInterest
857000 USD
CY2012Q4 us-gaap Investment Income Interest
InvestmentIncomeInterest
349000 USD
CY2013Q4 us-gaap Investment Income Interest
InvestmentIncomeInterest
313000 USD
CY2013Q4 us-gaap Investments Fair Value Disclosure
InvestmentsFairValueDisclosure
96694000 USD
CY2013Q1 us-gaap Investments Fair Value Disclosure
InvestmentsFairValueDisclosure
125680000 USD
CY2013Q1 us-gaap Liabilities
Liabilities
581542000 USD
CY2013Q4 us-gaap Liabilities
Liabilities
588216000 USD
CY2013Q4 us-gaap Liabilities And Stockholders Equity
LiabilitiesAndStockholdersEquity
638644000 USD
us-gaap Loans And Leases Receivable Consumer Description
LoansAndLeasesReceivableConsumerDescription
262
CY2013Q1 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
371135000 USD
CY2013Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
393037000 USD
CY2013 us-gaap Loans And Leases Receivable Impaired Description
LoansAndLeasesReceivableImpairedDescription
4869
CY2013Q1 us-gaap Liabilities And Stockholders Equity
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638277000 USD
CY2013Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
8415000 USD
CY2013Q1 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
10989000 USD
CY2012Q1 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
19821000 USD
CY2012Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
14483000 USD
CY2013Q4 us-gaap Loans And Leases Receivable Commercial
LoansAndLeasesReceivableCommercial
28083000 USD
CY2013Q1 us-gaap Loans And Leases Receivable Commercial
LoansAndLeasesReceivableCommercial
35277000 USD
CY2013Q4 us-gaap Loans And Leases Receivable Consumer
LoansAndLeasesReceivableConsumer
155000 USD
CY2013Q1 us-gaap Loans And Leases Receivable Consumer
LoansAndLeasesReceivableConsumer
247000 USD
CY2013 us-gaap Loans And Leases Receivable Consumer Description
LoansAndLeasesReceivableConsumerDescription
250
us-gaap Loans And Leases Receivable Impaired Description
LoansAndLeasesReceivableImpairedDescription
1982
CY2013Q4 us-gaap Loans And Leases Receivable Impaired Nonperforming Nonaccrual Of Interest
LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
14922000 USD
CY2013Q1 us-gaap Loans And Leases Receivable Impaired Nonperforming Nonaccrual Of Interest
LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
30626000 USD
CY2013Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
393163000 USD
CY2013Q1 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
370122000 USD
CY2012Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
364454000 USD
CY2013Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
384748000 USD
CY2013Q1 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
359133000 USD
CY2013Q1 us-gaap Loans Held For Sale Fair Value Disclosure
LoansHeldForSaleFairValueDisclosure
13107000 USD
CY2013Q4 us-gaap Loans Held For Sale Fair Value Disclosure
LoansHeldForSaleFairValueDisclosure
7678000 USD
CY2013Q1 us-gaap Loans Receivable Commercial Real Estate
LoansReceivableCommercialRealEstate
334594000 USD
CY2013Q4 us-gaap Loans Receivable Commercial Real Estate
LoansReceivableCommercialRealEstate
364820000 USD
CY2013Q1 us-gaap Loans Receivable Net
LoansReceivableNet
331218000 USD
CY2012Q4 us-gaap Loans Receivable Net
LoansReceivableNet
365061000 USD
CY2013Q1 us-gaap Marketable Securities
MarketableSecurities
125094000 USD
CY2013Q4 us-gaap Marketable Securities
MarketableSecurities
96691000 USD
CY2013Q1 us-gaap Minority Interest
MinorityInterest
141000 USD
CY2013Q4 us-gaap Minority Interest
MinorityInterest
-223000 USD
us-gaap Minority Interest Period Increase Decrease
MinorityInterestPeriodIncreaseDecrease
0 USD
CY2013Q4 us-gaap Mortgage Loans On Real Estate
MortgageLoansOnRealEstate
194019000 USD
CY2013Q1 us-gaap Mortgage Loans On Real Estate
MortgageLoansOnRealEstate
202771000 USD
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-974000 USD
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
7267000 USD
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-5430000 USD
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
10265000 USD
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
11814000 USD
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
20862000 USD
us-gaap Net Income Loss Attributable To Noncontrolling Interest
NetIncomeLossAttributableToNoncontrollingInterest
-1126000 USD
CY2012Q4 us-gaap Net Income Loss Attributable To Noncontrolling Interest
NetIncomeLossAttributableToNoncontrollingInterest
-190000 USD
us-gaap Net Income Loss Attributable To Noncontrolling Interest
NetIncomeLossAttributableToNoncontrollingInterest
36000 USD
CY2013Q4 us-gaap Net Income Loss Attributable To Noncontrolling Interest
NetIncomeLossAttributableToNoncontrollingInterest
-147000 USD
us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
647000 USD
CY2012Q4 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
474000 USD
CY2013Q4 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
-107000 USD
us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
-26000 USD
CY2013Q1 us-gaap Noninterest Bearing Domestic Deposit Demand
NoninterestBearingDomesticDepositDemand
58239000 USD
CY2013Q4 us-gaap Noninterest Bearing Domestic Deposit Demand
NoninterestBearingDomesticDepositDemand
58186000 USD
us-gaap Noninterest Expense
NoninterestExpense
19415000 USD
us-gaap Noninterest Expense
NoninterestExpense
20828000 USD
CY2012Q4 us-gaap Noninterest Expense
NoninterestExpense
7304000 USD
CY2013Q4 us-gaap Noninterest Expense
NoninterestExpense
7535000 USD
CY2013Q4 us-gaap Noninterest Income
NoninterestIncome
1210000 USD
CY2012Q4 us-gaap Noninterest Income
NoninterestIncome
2541000 USD
us-gaap Noninterest Income
NoninterestIncome
4916000 USD
us-gaap Noninterest Income
NoninterestIncome
5915000 USD
CY2013Q1 us-gaap Notes Receivable Gross
NotesReceivableGross
370122000 USD
CY2012Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
393163000 USD
CY2013Q4 us-gaap Number Of Real Estate Properties
NumberOfRealEstateProperties
10
CY2013Q1 us-gaap Number Of Real Estate Properties
NumberOfRealEstateProperties
9
CY2013Q4 us-gaap Occupancy Net
OccupancyNet
887000 USD
CY2012Q4 us-gaap Occupancy Net
OccupancyNet
910000 USD
us-gaap Occupancy Net
OccupancyNet
2634000 USD
us-gaap Occupancy Net
OccupancyNet
2684000 USD
us-gaap Operating Income Loss
OperatingIncomeLoss
-26000 USD
CY2013Q4 us-gaap Operating Income Loss
OperatingIncomeLoss
-107000 USD
us-gaap Operating Income Loss
OperatingIncomeLoss
647000 USD
CY2012Q4 us-gaap Operating Income Loss
OperatingIncomeLoss
474000 USD
CY2013Q1 us-gaap Other Assets
OtherAssets
11284000 USD
CY2013Q4 us-gaap Other Assets
OtherAssets
9812000 USD
CY2012Q4 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
135000 USD
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
135000 USD
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-6985000 USD
CY2013Q4 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-1066000 USD
CY2012Q4 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Net Of Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax
0 USD
us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Net Of Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax
-69000 USD
us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Net Of Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax
302000 USD
CY2013Q4 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Net Of Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax
-69000 USD
CY2013Q4 us-gaap Other Comprehensive Income Loss Reclassification Adjustment For Sale Of Securities Included In Net Income Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax
0 USD
us-gaap Other Comprehensive Income Loss Reclassification Adjustment For Sale Of Securities Included In Net Income Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax
0 USD
CY2012Q4 us-gaap Other Comprehensive Income Loss Reclassification Adjustment For Sale Of Securities Included In Net Income Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax
0 USD
us-gaap Other Comprehensive Income Loss Reclassification Adjustment For Sale Of Securities Included In Net Income Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax
-507000 USD
CY2013Q4 us-gaap Other Comprehensive Income Reclassification Of Defined Benefit Plans Net Gain Loss Recognized In Net Periodic Benefit Cost Net Of Tax
OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlansNetGainLossRecognizedInNetPeriodicBenefitCostNetOfTax
432000 USD
us-gaap Other Comprehensive Income Reclassification Of Defined Benefit Plans Net Gain Loss Recognized In Net Periodic Benefit Cost Net Of Tax
OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlansNetGainLossRecognizedInNetPeriodicBenefitCostNetOfTax
0 USD
us-gaap Other Comprehensive Income Reclassification Of Defined Benefit Plans Net Gain Loss Recognized In Net Periodic Benefit Cost Net Of Tax
OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlansNetGainLossRecognizedInNetPeriodicBenefitCostNetOfTax
432000 USD
CY2012Q4 us-gaap Other Comprehensive Income Reclassification Of Defined Benefit Plans Net Gain Loss Recognized In Net Periodic Benefit Cost Net Of Tax
OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlansNetGainLossRecognizedInNetPeriodicBenefitCostNetOfTax
0 USD
CY2012Q4 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
135000 USD
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
-6979000 USD
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
437000 USD
CY2013Q4 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
-1567000 USD
us-gaap Other Expenses
OtherExpenses
5682000 USD
us-gaap Other Expenses
OtherExpenses
6933000 USD
CY2013Q4 us-gaap Other Expenses
OtherExpenses
2357000 USD
CY2012Q4 us-gaap Other Expenses
OtherExpenses
2552000 USD
us-gaap Salaries Wages And Officers Compensation
SalariesWagesAndOfficersCompensation
8331000 USD
CY2013Q1 us-gaap Preferred Stock Liquidation Preference
PreferredStockLiquidationPreference
1000
CY2013Q4 us-gaap Preferred Stock Par Or Stated Value Per Share
PreferredStockParOrStatedValuePerShare
0.01
CY2013Q1 us-gaap Preferred Stock Par Or Stated Value Per Share
PreferredStockParOrStatedValuePerShare
0.01
CY2013Q1 us-gaap Preferred Stock Shares Issued
PreferredStockSharesIssued
45118 shares
CY2013Q4 us-gaap Preferred Stock Shares Issued
PreferredStockSharesIssued
45118 shares
CY2013Q4 us-gaap Other Liabilities
OtherLiabilities
8830000 USD
CY2013Q1 us-gaap Other Liabilities
OtherLiabilities
9423000 USD
us-gaap Other Nonoperating Income
OtherNonoperatingIncome
587000 USD
CY2013Q4 us-gaap Other Nonoperating Income
OtherNonoperatingIncome
255000 USD
CY2012Q4 us-gaap Other Nonoperating Income
OtherNonoperatingIncome
238000 USD
us-gaap Other Nonoperating Income
OtherNonoperatingIncome
775000 USD
CY2013Q4 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
1423000 USD
CY2013Q1 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
2386000 USD
us-gaap Payments For Proceeds From Federal Home Loan Bank Stock
PaymentsForProceedsFromFederalHomeLoanBankStock
723000 USD
us-gaap Payments For Proceeds From Federal Home Loan Bank Stock
PaymentsForProceedsFromFederalHomeLoanBankStock
1200000 USD
us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
17366000 USD
us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
50124000 USD
us-gaap Payments To Acquire Available For Sale Securities
PaymentsToAcquireAvailableForSaleSecurities
30180000 USD
us-gaap Payments To Acquire Available For Sale Securities
PaymentsToAcquireAvailableForSaleSecurities
53855000 USD
us-gaap Payments To Acquire Loans And Leases Held For Investment
PaymentsToAcquireLoansAndLeasesHeldForInvestment
0 USD
us-gaap Payments To Acquire Loans And Leases Held For Investment
PaymentsToAcquireLoansAndLeasesHeldForInvestment
54459000 USD
us-gaap Payments To Acquire Loans Held For Investment
PaymentsToAcquireLoansHeldForInvestment
1932000 USD
us-gaap Payments To Acquire Loans Held For Investment
PaymentsToAcquireLoansHeldForInvestment
1952000 USD
CY2013Q4 us-gaap Preferred Stock Liquidation Preference
PreferredStockLiquidationPreference
1000
CY2011Q2 us-gaap Preferred Stock Shares Issued
PreferredStockSharesIssued
55000 shares
CY2011Q2 us-gaap Proceeds From Contributions From Parent
ProceedsFromContributionsFromParent
37000000 USD
us-gaap Proceeds From Contributions From Parent
ProceedsFromContributionsFromParent
7000000 USD
CY2011Q2 us-gaap Proceeds From Issuance Of Convertible Preferred Stock
ProceedsFromIssuanceOfConvertiblePreferredStock
55000000 USD
CY2011Q2 us-gaap Proceeds From Issuance Of Preferred Stock And Preference Stock
ProceedsFromIssuanceOfPreferredStockAndPreferenceStock
51400000 USD
us-gaap Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities
2072000 USD
us-gaap Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities
1488000 USD
us-gaap Proceeds From Principal Repayments On Loans And Leases Held For Investment
ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment
72299000 USD
us-gaap Proceeds From Principal Repayments On Loans And Leases Held For Investment
ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment
50674000 USD
us-gaap Proceeds From Repayments Of Debt
ProceedsFromRepaymentsOfDebt
29974000 USD
us-gaap Proceeds From Repayments Of Debt
ProceedsFromRepaymentsOfDebt
19000000 USD
us-gaap Proceeds From Sale And Maturity Of Available For Sale Securities
ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities
49899000 USD
us-gaap Proceeds From Sale And Maturity Of Available For Sale Securities
ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities
28767000 USD
us-gaap Proceeds From Sale Of Loans Held For Investment
ProceedsFromSaleOfLoansHeldForInvestment
242000 USD
us-gaap Proceeds From Sale Of Loans Held For Investment
ProceedsFromSaleOfLoansHeldForInvestment
1718000 USD
us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
20576000 USD
us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
14673000 USD
us-gaap Proceeds From Sale Of Other Real Estate
ProceedsFromSaleOfOtherRealEstate
1666000 USD
us-gaap Proceeds From Sale Of Other Real Estate
ProceedsFromSaleOfOtherRealEstate
195000 USD
CY2013Q4 us-gaap Professional Fees
ProfessionalFees
119000 USD
CY2012Q4 us-gaap Professional Fees
ProfessionalFees
63000 USD
us-gaap Professional Fees
ProfessionalFees
331000 USD
us-gaap Professional Fees
ProfessionalFees
243000 USD
us-gaap Profit Loss
ProfitLoss
-1152000 USD
us-gaap Profit Loss
ProfitLoss
683000 USD
CY2012Q4 us-gaap Salaries Wages And Officers Compensation
SalariesWagesAndOfficersCompensation
2819000 USD
CY2013Q1 us-gaap Receivable With Imputed Interest Premium
ReceivableWithImputedInterestPremium
728000 USD
CY2013Q4 us-gaap Profit Loss
ProfitLoss
-254000 USD
CY2012Q4 us-gaap Profit Loss
ProfitLoss
284000 USD
CY2013Q4 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
6556000 USD
CY2013Q1 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
10666000 USD
CY2013Q4 us-gaap Retained Earnings Accumulated Deficit
RetainedEarningsAccumulatedDeficit
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CY2013Q1 us-gaap Retained Earnings Accumulated Deficit
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us-gaap Servicing Fees Net
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us-gaap Stock Issued During Period Shares Other
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us-gaap Stock Issued During Period Shares Reverse Stock Splits
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us-gaap Unrealized Gain On Securities
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UnrealizedGainOnSecurities
1918000 USD
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us-gaap Variable Interest Entity Initial Consolidation Gain Or Loss
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1964000 USD
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SecuritiesAmortizedCost
103127000 USD
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SecuritiesAmortizedCost
124052000 USD
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6400000 USD
CY2013Q1 carv Tdr Loans On Accrual Status
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CY2013Q4 carv Tdr Loans On Accrual Status
TdrLoansOnAccrualStatus
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carv Totalreclassificationsoutof Oci
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carv Transfersbetweenlevel1andlevel2
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0
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carv Troubled Debt Restructuring Performing
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CY2013Q4 carv Variable Ineterest Entity Unfunded Exposure Funding Commitments
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CY2013Q4 carv Variable Interest Entity Funded Exposure Debt Investment
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CY2013Q4 carv Variable Interest Entity Funded Exposure Equity Invesment
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CY2009Q2 carv Variable Interest Entity Rights Transferred
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CY2013Q4 carv Variable Interest Entity Total Involvment With Spe Asset
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dei Amendment Flag
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false
CY2012Q4 carv Modified Loan Subsequently Defaulted
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CY2013Q4 carv Multi Family Loans
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CY2009Q2 carv New Market Tax Credit Award
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CY2011Q3 carv New Market Tax Credit Award
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CY2006Q2 carv New Market Tax Credit Award
NewMarketTaxCreditAward
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CY2013Q4 carv New Market Tax Credit Fees
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0 USD
CY2012Q4 carv New Market Tax Credit Fees
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0 USD
carv New Market Tax Credit Fees
NewMarketTaxCreditFees
625000 USD
carv New Market Tax Credit Fees
NewMarketTaxCreditFees
0 USD
carv Nonperformingloanmultifamilythatpaidoff
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1100000 USD
carv Nonperformingloansmovedtoheldforsale
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8200000 USD
carv Number Of Modified Loan Subsequently Defaulted
NumberOfModifiedLoanSubsequentlyDefaulted
0
carv Number Of Modified Loan Subsequently Defaulted
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1
carv Number Of Securities With Unrealized Loss
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33
CY2013 carv Number Of Securities With Unrealized Loss
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13
CY2013Q4 carv Numberofagencieswithunrealizedlossmorethan12months
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4
carv Numberofloansmodified
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3
CY2013Q4 carv Numberofloansmodified
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1
carv Numberofloansmodifiedextendedmaturity
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1
CY2013Q4 carv Numberofloansmodifiedwithinterestrateconcessionof2
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1
carv Numberofloansmodifiedwithinterestrateconcessions
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1
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0
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0
carv Numberofnonperformingloansmovedtoheldforsale
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15
carv Numberofnonperformingmultifamilyloansthatpaidoff
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1
carv Of Carver Statutory Trust I Owned
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1.00
CY2013Q1 carv One To Four Family Residential Loan
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CY2013Q4 carv One To Four Family Residential Loan
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carv Other Comprehensive Income Lossbefore Reclassiifcation Netof Tax
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CY2013Q4 carv Other Non Performing Asset
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9100000 USD
CY2013Q4 carv Other Securities Afs Fair Value Disclosure
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CY2013Q1 carv Other Securities Afs Fair Value Disclosure
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10041000 USD
carv Percent Of Total Assets Level3
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0.001
CY2013Q4 carv Percentage Available For Sale Securities
PercentageAvailableForSaleSecurities
0
CY2013Q4 carv Percentage Held To Maturity Securities
PercentageHeldToMaturitySecurities
0.125
CY2013Q4 carv Percentage Of Loan Type
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1.00
CY2013Q1 carv Percentage Of Loan Type
PercentageOfLoanType
1.00
carv Percentagedecreaseinnonaccrualloans
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CY2013Q1 carv Preferred Stock Liquidation Preference For Issued
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1000 shares
CY2013Q4 carv Preferred Stock Liquidation Preference For Issued
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1000 shares
CY2013Q4 carv Premodificationrecordedinvestments
Premodificationrecordedinvestments
429000 USD
carv Premodificationrecordedinvestments
Premodificationrecordedinvestments
1832000 USD
dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--03-31
dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
Q3
dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2014
dei Document Period End Date
DocumentPeriodEndDate
2013-12-31
dei Document Type
DocumentType
10-Q
dei Entity Central Index Key
EntityCentralIndexKey
0001016178
CY2014Q1 dei Entity Common Stock Shares Outstanding
EntityCommonStockSharesOutstanding
3695892 shares
dei Entity Current Reporting Status
EntityCurrentReportingStatus
Yes
dei Entity Filer Category
EntityFilerCategory
Non-accelerated Filer
dei Entity Registrant Name
EntityRegistrantName
CARVER BANCORP INC
dei Entity Voluntary Filers
EntityVoluntaryFilers
No
dei Entity Well Known Seasoned Issuer
EntityWellKnownSeasonedIssuer
No
CY2013Q4 carv Available For Sale Securities Debt Maturities Weighted Average Rate
AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageRate
0.0169
CY2013Q1 carv Businessloanreceivable
Businessloanreceivable
35281000 USD
CY2013Q4 carv Businessloanreceivable
Businessloanreceivable
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carv Decreaseinnonaccrualloans
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CY2013Q4 carv Federal Home Loan Mortgage Corp Afs Fair Value Disclosure
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12980000 USD
us-gaap Weighted Average Number Of Shares Issued Basic
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3695616 shares
us-gaap Weighted Average Number Of Shares Issued Basic
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CY2013Q4 us-gaap Weighted Average Number Of Shares Issued Basic
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CY2013Q4 carv Amount Of Tdr Loans Upgraded To Performing
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10
CY2013Q4 carv Available For Sale Securities Debt Maturities After Five Through Ten Years Weighted Average Rate
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0.0165
CY2013Q4 carv Available For Sale Securities Debt Maturities After One Through Five Years Weighted Average Rate
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0.0150
CY2013Q4 carv Available For Sale Securities Debt Maturities After Ten Years Weighted Average Rate
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsWeightedAverageRate
0.0170
CY2013Q1 carv Federal Home Loan Mortgage Corp Afs Fair Value Disclosure
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16059000 USD
CY2013Q4 carv Federal National Mortgage Corporation Afs Fair Value Disclosure
FederalNationalMortgageCorporationAfsFairValueDisclosure
10542000 USD
CY2013Q1 carv Federal National Mortgage Corporation Afs Fair Value Disclosure
FederalNationalMortgageCorporationAfsFairValueDisclosure
4303000 USD
carv Financing Receivables Modifications Number Of Contracts
FinancingReceivablesModificationsNumberOfContracts
8
carv Financing Receivables Modifications Pre Modification Recorded Investment
FinancingReceivablesModificationsPreModificationRecordedInvestment
4718000 USD
CY2013Q4 carv Government National Mortgage Asscociation Afs Fair Value Disclosure
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CY2013Q1 carv Government National Mortgage Asscociation Afs Fair Value Disclosure
GovernmentNationalMortgageAsscociationAfsFairValueDisclosure
23840000 USD
CY2013Q4 carv Held To Maturity Securities Debt Maturities After Five Through Ten Years Weighted Average Rate
HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsWeightedAverageRate
0.0249
CY2013Q4 carv Held To Maturity Securities Debt Maturities After Ten Years Weighted Average Rate
HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsWeightedAverageRate
0.0363
CY2013Q4 carv Held To Maturity Securities Debt Maturities One Through Five Years Weighted Average Rate
HeldToMaturitySecuritiesDebtMaturitiesOneThroughFiveYearsWeightedAverageRate
0.0268
CY2013Q4 carv Held To Maturity Securities Debt Maturities Weighted Average Rate
HeldToMaturitySecuritiesDebtMaturitiesWeightedAverageRate
0.0313
CY2013Q4 carv Held To Maturity Securities One Through Five Years Fair Value
HeldToMaturitySecuritiesOneThroughFiveYearsFairValue
115000 USD
CY2013Q4 carv Held To Maturity Security Amortized Cost One Through Five Years
HeldToMaturitySecurityAmortizedCostOneThroughFiveYears
113000 USD
CY2013Q4 carv Heldtomaturityamortizedcost
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12100000 USD
CY2013Q4 carv Impaired Loans
ImpairedLoans
2000000 USD
CY2013Q1 carv Impaired Loans
ImpairedLoans
4900000 USD
CY2013Q4 carv Impaired Loans With Specific Reserve Allocated
ImpairedLoansWithSpecificReserveAllocated
10246000 USD
CY2013Q1 carv Impaired Loans With Specific Reserve Allocated
ImpairedLoansWithSpecificReserveAllocated
13397000 USD
carv Loan Modifications Recorded Investment
LoanModificationsRecordedInvestment
3806000 USD
CY2013 carv Loans In Tdr Performing Modified Terms
LoansInTdrPerformingModifiedTerms
9
carv Loans In Tdr Performing Modified Terms
LoansInTdrPerformingModifiedTerms
18
carv Loans Modified Int Rate Concession Of125
LoansModifiedIntRateConcessionOf125
0.0125 USD
CY2013Q4 carv Loans Rate Concessionof2
LoansRateConcessionof2
0.0200
CY2013Q4 carv Loansmodifiedint.Rateconcessionof2
Loansmodifiedint.rateconcessionof2
429000 USD

Files In Submission

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0001016178-14-000006-index-headers.html Edgar Link pending
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0001016178-14-000006.txt Edgar Link pending
0001016178-14-000006-xbrl.zip Edgar Link pending
a20131231-10q.htm Edgar Link pending
carv-20131231.xml Edgar Link completed
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carv-20131231_def.xml Edgar Link unprocessable
carv-20131231_lab.xml Edgar Link unprocessable
carv-20131231_pre.xml Edgar Link unprocessable
december31201310qex311.htm Edgar Link pending
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december31201310qex321.htm Edgar Link pending
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