$EMYB
Embassy Bancorp, Inc.

2020 Q1 Form 10-Q Financial Statement

#000144979420000011 Filed on May 05, 2020

View on sec.gov

Income Statement

Concept 2020 Q1 2019 Q1
Revenue $10.86M $10.38M
YoY Change 4.54% 16.23%
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 $203.0K $204.0K
YoY Change -0.49% 15.25%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $2.064M $2.170M
YoY Change -4.88% 93.58%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $3.039M $3.108M
YoY Change -2.22% 6.88%
Income Tax $582.0K $556.0K
% Of Pretax Income 19.15% 17.89%
Net Earnings $2.457M $2.552M
YoY Change -3.72% 7.36%
Net Earnings / Revenue 22.63% 24.58%
Basic Earnings Per Share $0.33 $0.34
Diluted Earnings Per Share $0.33 $0.34
COMMON SHARES
Basic Shares Outstanding 7.444M 7.470M
Diluted Shares Outstanding

Balance Sheet

Concept 2020 Q1 2019 Q1
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $43.19M $37.41M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $2.220M $2.068M
YoY Change 7.35% 14.89%
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 $1.194B $1.123B
YoY Change 6.39% 9.98%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $2.100M $2.300M
YoY Change -8.7% 187.5%
Accrued Expenses $9.400M $10.70M
YoY Change -12.15%
Deferred Revenue
YoY Change
Short-Term Debt $10.40M $11.00M
YoY Change -5.45% -43.3%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $11.50M $13.00M
YoY Change -11.54% 1525.0%
LONG-TERM LIABILITIES
Long-Term Debt $0.00 $0.00
YoY Change
Other Long-Term Liabilities $6.700M $6.000M
YoY Change 11.67% 7.14%
Total Long-Term Liabilities $6.700M $6.000M
YoY Change 11.67% 7.14%
TOTAL LIABILITIES
Total Short-Term Liabilities $11.50M $13.00M
Total Long-Term Liabilities $6.700M $6.000M
Total Liabilities $1.091B $1.031B
YoY Change 5.85% 9.72%
SHAREHOLDERS EQUITY
Retained Earnings $68.25M $58.96M
YoY Change 15.75%
Common Stock $7.577M $7.541M
YoY Change 0.48%
Preferred Stock
YoY Change
Treasury Stock (at cost) $1.720M $1.000M
YoY Change 72.0%
Treasury Stock Shares $105.0K $65.05K
Shareholders Equity $103.0M $91.60M
YoY Change
Total Liabilities & Shareholders Equity $1.194B $1.123B
YoY Change 6.39% 9.98%

Cashflow Statement

Concept 2020 Q1 2019 Q1
OPERATING ACTIVITIES
Net Income $2.457M $2.552M
YoY Change -3.72% 7.36%
Depreciation, Depletion And Amortization $203.0K $204.0K
YoY Change -0.49% 15.25%
Cash From Operating Activities $1.745M $3.380M
YoY Change -48.37% 13.73%
INVESTING ACTIVITIES
Capital Expenditures $300.0K $98.00K
YoY Change 206.12% 58.06%
Acquisitions
YoY Change
Other Investing Activities -$13.46M -$1.170M
YoY Change 1050.43% -96.53%
Cash From Investing Activities -$13.76M -$1.266M
YoY Change 987.12% -96.25%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net $720.0K
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 15.22M 7.721M
YoY Change 97.14% -65.67%
NET CHANGE
Cash From Operating Activities 1.745M 3.380M
Cash From Investing Activities -13.76M -1.266M
Cash From Financing Activities 15.22M 7.721M
Net Change In Cash 3.203M 9.835M
YoY Change -67.43% -218.02%
FREE CASH FLOW
Cash From Operating Activities $1.745M $3.380M
Capital Expenditures $300.0K $98.00K
Free Cash Flow $1.445M $3.282M
YoY Change -55.97% 12.78%

Facts In Submission

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CY2020Q1 us-gaap Description Of New Accounting Pronouncements Not Yet Adopted
DescriptionOfNewAccountingPronouncementsNotYetAdopted
<div> <div style="margin-left:0pt;margin-right:0pt;"> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt"> <font style="display: inline;font-weight:bold;font-size:10pt;">Note 14 &#x2013; Future Accounting Standards</font><font style="display: inline;font-size:10pt;">&nbsp;</font> </p> <p style="margin:0pt;font-family:Times New Roman;font-size: 10pt"> <font style="display: inline;font-size:10pt;">&#xFEFF;</font> </p> <p style="margin:0pt;font-family:Times New Roman;font-size: 11pt"> <font style="display: inline;font-size:10pt;">In June 2016, the FASB issued Accounting Standards Update (&#x201C;ASU&#x201D;) 2016-13, </font><font style="display: inline;font-size:10pt;">&#x201C;</font><font style="display: inline;font-size:10pt;">Financial Instruments - Credit Losses</font><font style="display: inline;font-size:10pt;">&#x201D;</font><font style="display: inline;font-size:10pt;">. ASU 2016-13 requires entities to report </font><font style="display: inline;font-size:10pt;">&#x201C;</font><font style="display: inline;font-size:10pt;">expected</font><font style="display: inline;font-size:10pt;">&#x201D;</font><font style="display: inline;font-size:10pt;"> credit losses on financial instruments and other commitments to extend credit rather than the current </font><font style="display: inline;font-size:10pt;">&#x201C;</font><font style="display: inline;font-size:10pt;">incurred loss</font><font style="display: inline;font-size:10pt;">&#x201D;</font><font style="display: inline;font-size:10pt;"> model. These expected credit losses for financial assets held at the reporting date are to be based on historical experience, current conditions, and reasonable and supportable forecasts. This ASU will also require enhanced disclosures to help investors and other financial statement users better understand significant estimates and judgments used in</font><font style="display: inline;font-family:CIDFont+F1;font-size:11pt;">&nbsp;</font><font style="display: inline;font-size:10pt;">estimating credit losses, as well as the credit quality and underwriting standards of an entity</font><font style="display: inline;font-size:10pt;">&#x2019;</font><font style="display: inline;font-size:10pt;">s portfolio. These disclosures include qualitative and quantitative requirements that provide additional information about the amounts recorded in the financial statements. In November 2019, the FASB issued an update to defer the implementation date for smaller reporting companies from 2020 to 2023. The Company currently qualifies as a smaller reporting company under SEC Regulation S-K and, therefore, the guidance is effective for the Company in 2023. The Company has not yet determined the impact this standard will have on its consolidated financial statements or results of operations. </font> </p> <p><font size="1"> </font></p> </div> </div>
CY2019Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.34
CY2020Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.33
CY2019Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.34
CY2020Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.33
CY2019Q1 us-gaap Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized
EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized
608000
CY2019Q1 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
95000
CY2020Q1 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
51000
CY2019Q4 us-gaap Federal Funds Sold
FederalFundsSold
1000000
CY2020Q1 us-gaap Federal Funds Sold
FederalFundsSold
1000000
CY2020Q1 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Maximum Amount Available
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable
588200000
CY2020Q1 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
24000
CY2020Q1 us-gaap Federal Home Loan Bank Advances Long Term
FederalHomeLoanBankAdvancesLongTerm
14651000
CY2019Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
1009805000
CY2020Q1 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
1028225000
CY2019Q4 us-gaap Federal Home Loan Bank Advances Long Term
FederalHomeLoanBankAdvancesLongTerm
0
CY2019Q4 us-gaap Federal Home Loan Bank Advances Maturities Summary Due Within One Year Of Balance Sheet Date
FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate
18100000
CY2020Q1 us-gaap Federal Home Loan Bank Advances Maturities Summary Due Within One Year Of Balance Sheet Date
FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate
0
CY2018Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7412000
CY2019Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7546000
CY2019Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
8022000
CY2020Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
8366000
CY2019Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
7820000
CY2020Q1 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
8181000
CY2019Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
202000
CY2020Q1 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
185000
CY2019Q1 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
4000
CY2019Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
3521000
CY2020Q1 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
3466000
CY2019Q1 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
0
CY2020Q1 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
0
CY2019Q4 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
2681000
CY2020Q1 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
2629000
CY2019Q1 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
0
CY2020Q1 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
0
CY2019Q4 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
1012375000
CY2020Q1 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
1028476000
CY2019Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
18000
CY2020Q1 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
17000
CY2019Q4 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
951000
CY2020Q1 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
3215000
CY2019Q1 us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
45000
CY2020Q1 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
3495000
CY2020Q1 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
36000
CY2019Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
3521000
CY2020Q1 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
3466000
CY2019Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
202000
CY2020Q1 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
185000
CY2019Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
4041000
CY2020Q1 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
3776000
CY2020Q1 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
1900000
CY2020Q1 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
1600000
CY2019Q1 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
3108000
CY2020Q1 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
3039000
CY2019Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
556000
CY2020Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
582000
CY2019Q1 us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
75000
CY2020Q1 us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
31000
CY2019Q1 us-gaap Increase Decrease In Federal Funds Purchased And Securities Sold Under Agreements To Repurchase Net
IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet
-7933000
CY2020Q1 us-gaap Increase Decrease In Federal Funds Purchased And Securities Sold Under Agreements To Repurchase Net
IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet
3177000
CY2020Q1 us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
-1196000
CY2020Q1 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
-153000
CY2020Q1 us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
143000
CY2019Q1 us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
562000
CY2019Q1 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
10384000
CY2020Q1 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
1676000
CY2020Q1 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
10855000
CY2020Q1 us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
636000
CY2019Q1 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
9584000
CY2020Q1 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
10190000
CY2019Q4 us-gaap Interest Bearing Deposit Liabilities Domestic
InterestBearingDepositLiabilitiesDomestic
860153000
CY2020Q1 us-gaap Interest Bearing Deposit Liabilities Domestic
InterestBearingDepositLiabilitiesDomestic
859703000
CY2019Q4 us-gaap Interest Bearing Deposits In Banks
InterestBearingDepositsInBanks
33161000
CY2020Q1 us-gaap Interest Bearing Deposits In Banks
InterestBearingDepositsInBanks
28023000
CY2019Q1 us-gaap Interest Expense
InterestExpense
2170000
CY2020Q1 us-gaap Interest Expense
InterestExpense
2064000
CY2019Q1 us-gaap Interest Expense Deposits
InterestExpenseDeposits
1877000
CY2020Q1 us-gaap Interest Expense Deposits
InterestExpenseDeposits
1995000
CY2019Q1 us-gaap Interest Expense Federal Funds Purchased And Securities Sold Under Agreements To Repurchase
InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase
25000
CY2020Q1 us-gaap Interest Expense Federal Funds Purchased And Securities Sold Under Agreements To Repurchase
InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase
10000
CY2020Q1 us-gaap Interest Expense Long Term Debt
InterestExpenseLongTermDebt
8000
CY2019Q1 us-gaap Interest Expense Short Term Borrowings Excluding Federal Funds And Securities Sold Under Agreements To Repurchase
InterestExpenseShortTermBorrowingsExcludingFederalFundsAndSecuritiesSoldUnderAgreementsToRepurchase
268000
CY2020Q1 us-gaap Interest Expense Short Term Borrowings Excluding Federal Funds And Securities Sold Under Agreements To Repurchase
InterestExpenseShortTermBorrowingsExcludingFederalFundsAndSecuritiesSoldUnderAgreementsToRepurchase
51000
CY2020Q1 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
8471000
CY2019Q1 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
8214000
CY2020Q1 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
8791000
CY2019Q1 us-gaap Interest Income Federal Funds Sold And Securities Purchased Under Agreements To Resell
InterestIncomeFederalFundsSoldAndSecuritiesPurchasedUnderAgreementsToResell
144000
CY2020Q1 us-gaap Interest Income Federal Funds Sold And Securities Purchased Under Agreements To Resell
InterestIncomeFederalFundsSoldAndSecuritiesPurchasedUnderAgreementsToResell
76000
CY2019Q1 us-gaap Interest Income Securities Taxable
InterestIncomeSecuritiesTaxable
366000
CY2020Q1 us-gaap Interest Income Securities Taxable
InterestIncomeSecuritiesTaxable
377000
CY2019Q1 us-gaap Interest Income Securities Tax Exempt
InterestIncomeSecuritiesTaxExempt
290000
CY2020Q1 us-gaap Interest Income Securities Tax Exempt
InterestIncomeSecuritiesTaxExempt
212000
CY2019Q1 us-gaap Interest Paid Net
InterestPaidNet
1554000
CY2020Q1 us-gaap Interest Paid Net
InterestPaidNet
3260000
CY2019Q4 us-gaap Interest Payable Current And Noncurrent
InterestPayableCurrentAndNoncurrent
3281000
CY2020Q1 us-gaap Interest Payable Current And Noncurrent
InterestPayableCurrentAndNoncurrent
2085000
CY2019Q4 us-gaap Interest Receivable
InterestReceivable
2048000
CY2020Q1 us-gaap Interest Receivable
InterestReceivable
2079000
CY2019Q1 us-gaap Labor And Related Expense
LaborAndRelatedExpense
2643000
CY2020Q1 us-gaap Labor And Related Expense
LaborAndRelatedExpense
2839000
CY2020Q1 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
10441000
CY2020Q1 us-gaap Lessee Operating Lease Liability Payments Due After Year Five
LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive
2671000
CY2020Q1 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths
1239000
CY2020Q1 us-gaap Lessee Operating Lease Liability Payments Due Year Five
LesseeOperatingLeaseLiabilityPaymentsDueYearFive
1540000
CY2020Q1 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
1676000
CY2020Q1 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
1639000
CY2020Q1 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
1056000
CY2019Q4 us-gaap Liabilities
Liabilities
1076504000
CY2020Q1 us-gaap Liabilities
Liabilities
1091378000
CY2019Q4 us-gaap Liabilities And Stockholders Equity
LiabilitiesAndStockholdersEquity
1176119000
CY2020Q1 us-gaap Liabilities And Stockholders Equity
LiabilitiesAndStockholdersEquity
1194361000
CY2019Q1 us-gaap Loan Processing Fee
LoanProcessingFee
43000
CY2020Q1 us-gaap Loan Processing Fee
LoanProcessingFee
68000
CY2019Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
8022000
CY2020Q1 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
8366000
CY2019Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1013326000
CY2020Q1 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1031691000
CY2019Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
1006117000
CY2020Q1 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
1024033000
CY2020Q1 us-gaap Loans Receivable Held For Sale Amount
LoansReceivableHeldForSaleAmount
659000
CY2020Q1 us-gaap Long Term Debt
LongTermDebt
14651000
CY2019Q1 us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
411000
CY2020Q1 us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
296000
CY2019Q1 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
7721000
CY2020Q1 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
15221000
CY2019Q1 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-1266000
CY2020Q1 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-13763000
CY2019Q1 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
3380000
CY2020Q1 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
1745000
CY2019Q1 us-gaap Net Change Interest And Noninterest Bearing Deposits Domestic
NetChangeInterestAndNoninterestBearingDepositsDomestic
69635000
CY2020Q1 us-gaap Net Change Interest And Noninterest Bearing Deposits Domestic
NetChangeInterestAndNoninterestBearingDepositsDomestic
16166000
CY2019Q1 us-gaap Net Income Loss
NetIncomeLoss
2552000
CY2020Q1 us-gaap Net Income Loss
NetIncomeLoss
2457000
CY2019Q1 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
2552000
CY2020Q1 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
2457000
CY2020Q1 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
188431000
CY2019Q4 us-gaap Noninterest Bearing Deposit Liabilities Domestic
NoninterestBearingDepositLiabilitiesDomestic
171815000
CY2020Q1 us-gaap Noninterest Bearing Deposit Liabilities Domestic
NoninterestBearingDepositLiabilitiesDomestic
188431000
CY2019Q1 us-gaap Noninterest Expense
NoninterestExpense
5554000
CY2020Q1 us-gaap Noninterest Expense
NoninterestExpense
5732000
CY2019Q1 us-gaap Noninterest Income
NoninterestIncome
578000
CY2020Q1 us-gaap Noninterest Income
NoninterestIncome
300000
CY2019Q1 us-gaap Occupancy Net
OccupancyNet
820000
CY2020Q1 us-gaap Occupancy Net
OccupancyNet
858000
CY2020Q1 us-gaap Operating Lease Cost
OperatingLeaseCost
427000
CY2020Q1 us-gaap Operating Lease Liability
OperatingLeaseLiability
9385000
CY2020Q1 us-gaap Operating Lease Payments
OperatingLeasePayments
411000
CY2020Q1 us-gaap Operating Lease Right Of Use Asset
OperatingLeaseRightOfUseAsset
9200000
CY2020Q1 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0317
CY2020Q1 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P6Y5M27D
CY2019Q4 us-gaap Other Assets
OtherAssets
13279000
CY2020Q1 us-gaap Other Assets
OtherAssets
12748000
CY2019Q1 us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax
1598000
CY2020Q1 us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax
1425000
CY2019Q1 us-gaap Other Comprehensive Income Loss Available For Sale Securities Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax
425000
CY2020Q1 us-gaap Other Comprehensive Income Loss Available For Sale Securities Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax
378000
CY2019Q1 us-gaap Other Comprehensive Income Loss Before Reclassifications Net Of Tax
OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax
1598000
CY2020Q1 us-gaap Other Comprehensive Income Loss Before Reclassifications Net Of Tax
OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax
1425000
CY2019Q1 us-gaap Other Comprehensive Income Loss Before Tax
OtherComprehensiveIncomeLossBeforeTax
2023000
CY2020Q1 us-gaap Other Comprehensive Income Loss Before Tax
OtherComprehensiveIncomeLossBeforeTax
1803000
CY2019Q1 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
1598000
CY2020Q1 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
1425000
CY2019Q1 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
CY2020Q1 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
CY2019Q1 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax
CY2019Q1 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
2023000
CY2020Q1 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
1803000
CY2019Q4 us-gaap Other Liabilities
OtherLiabilities
15980000
CY2020Q1 us-gaap Other Liabilities
OtherLiabilities
16123000
CY2019Q1 us-gaap Other Noninterest Expense
OtherNoninterestExpense
463000
CY2020Q1 us-gaap Other Noninterest Expense
OtherNoninterestExpense
429000
CY2020Q1 us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
659000
CY2019Q1 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
10656000
CY2020Q1 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
18314000
CY2020Q1 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
720000
CY2020Q1 us-gaap Payments To Acquire Available For Sale Securities
PaymentsToAcquireAvailableForSaleSecurities
1489000
CY2019Q1 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
98000
CY2020Q1 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
300000
CY2020Q1 us-gaap Proceeds From Issuance Of Long Term Debt
ProceedsFromIssuanceOfLongTermDebt
14651000
CY2019Q1 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
7392000
CY2020Q1 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
6203000
CY2019Q1 us-gaap Proceeds From Repayments Of Short Term Debt Maturing In Three Months Or Less
ProceedsFromRepaymentsOfShortTermDebtMaturingInThreeMonthsOrLess
-53995000
CY2020Q1 us-gaap Proceeds From Repayments Of Short Term Debt Maturing In Three Months Or Less
ProceedsFromRepaymentsOfShortTermDebtMaturingInThreeMonthsOrLess
-18067000
CY2019Q1 us-gaap Proceeds From Sale Of Available For Sale Securities
ProceedsFromSaleOfAvailableForSaleSecurities
0
CY2020Q1 us-gaap Proceeds From Sale Of Available For Sale Securities
ProceedsFromSaleOfAvailableForSaleSecurities
0
CY2019Q1 us-gaap Proceeds From Sale Of Other Real Estate
ProceedsFromSaleOfOtherRealEstate
180000
CY2019Q1 us-gaap Proceeds From Stock Plans
ProceedsFromStockPlans
14000
CY2020Q1 us-gaap Proceeds From Stock Plans
ProceedsFromStockPlans
14000
CY2019Q1 us-gaap Professional Fees
ProfessionalFees
195000
CY2020Q1 us-gaap Professional Fees
ProfessionalFees
236000
CY2019Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
2123000
CY2020Q1 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
2220000
CY2020Q1 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
320000
CY2019Q4 us-gaap Retained Earnings Accumulated Deficit
RetainedEarningsAccumulatedDeficit
65794000
CY2020Q1 us-gaap Retained Earnings Accumulated Deficit
RetainedEarningsAccumulatedDeficit
68251000
CY2019Q4 us-gaap Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
7208000
CY2020Q1 us-gaap Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
10385000
CY2019Q4 us-gaap Short Term Bank Loans And Notes Payable
ShortTermBankLoansAndNotesPayable
18067000
CY2020Q1 us-gaap Short Term Lease Cost
ShortTermLeaseCost
5000
CY2018Q4 us-gaap Stockholders Equity
StockholdersEquity
87225000
CY2019Q1 us-gaap Stockholders Equity
StockholdersEquity
91602000
CY2019Q4 us-gaap Stockholders Equity
StockholdersEquity
99615000
CY2020Q1 us-gaap Stockholders Equity
StockholdersEquity
102983000
CY2019Q1 us-gaap Stock Issued During Period Shares Employee Stock Purchase Plans
StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans
894
CY2020Q1 us-gaap Stock Issued During Period Shares Employee Stock Purchase Plans
StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans
1289
CY2019Q1 us-gaap Stock Issued During Period Value Employee Stock Purchase Plan
StockIssuedDuringPeriodValueEmployeeStockPurchasePlan
14000
CY2020Q1 us-gaap Stock Issued During Period Value Employee Stock Purchase Plan
StockIssuedDuringPeriodValueEmployeeStockPurchasePlan
14000
CY2019Q1 us-gaap Stock Option Plan Expense
StockOptionPlanExpense
213000
CY2020Q1 us-gaap Stock Option Plan Expense
StockOptionPlanExpense
192000
CY2020Q1 us-gaap Time Deposit Maturities Next Rolling Twelve Months
TimeDepositMaturitiesNextRollingTwelveMonths
76961000
CY2020Q1 us-gaap Time Deposit Maturities Remainder Of Fiscal Year
TimeDepositMaturitiesRemainderOfFiscalYear
129211000
CY2020Q1 us-gaap Time Deposit Maturities Rolling Year Five
TimeDepositMaturitiesRollingYearFive
649000
CY2020Q1 us-gaap Time Deposit Maturities Rolling Year Four
TimeDepositMaturitiesRollingYearFour
3952000
CY2020Q1 us-gaap Time Deposit Maturities Rolling Year Three
TimeDepositMaturitiesRollingYearThree
23532000
CY2020Q1 us-gaap Time Deposit Maturities Rolling Year Two
TimeDepositMaturitiesRollingYearTwo
7940000
CY2020Q1 us-gaap Time Deposits
TimeDeposits
242245000
CY2020Q1 us-gaap Time Deposits Less Than100000
TimeDepositsLessThan100000
153541000
CY2020Q1 us-gaap Transfer Of Portfolio Loans And Leases To Held For Sale1
TransferOfPortfolioLoansAndLeasesToHeldForSale1
659000
CY2020Q1 us-gaap Treasury Stock Acquired Average Cost Per Share
TreasuryStockAcquiredAverageCostPerShare
18.00
CY2019Q4 us-gaap Treasury Stock Shares
TreasuryStockShares
65047
CY2020Q1 us-gaap Treasury Stock Shares
TreasuryStockShares
105047
CY2020Q1 us-gaap Treasury Stock Shares Acquired
TreasuryStockSharesAcquired
40000
CY2019Q4 us-gaap Treasury Stock Value
TreasuryStockValue
1000000
CY2020Q1 us-gaap Treasury Stock Value
TreasuryStockValue
1720000
CY2020Q1 us-gaap Treasury Stock Value Acquired Cost Method
TreasuryStockValueAcquiredCostMethod
720000
CY2019Q1 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
58889
CY2020Q1 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
37630
CY2019Q1 us-gaap Weighted Average Number Of Share Outstanding Basic And Diluted
WeightedAverageNumberOfShareOutstandingBasicAndDiluted
7528839
CY2020Q1 us-gaap Weighted Average Number Of Share Outstanding Basic And Diluted
WeightedAverageNumberOfShareOutstandingBasicAndDiluted
7481505
CY2019Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
7469950
CY2020Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
7443875
CY2020Q1 us-gaap Operating Lease Right Of Use Asset Statement Of Financial Position Extensible List
OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList
us-gaap:OtherAssets

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