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CONSOLIDATED STATEMENTS OF INCOME (USD $)
In Thousands, except Share data, unless otherwise specified
3 Months Ended 9 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Jun. 30, 2013
Jun. 30, 2012
INTEREST INCOME        
Loans, including fees $ 5,183 $ 5,083 $ 15,942 $ 15,217
Securities:        
Taxable 1,081 1,117 3,180 2,919
Tax-exempt 367 317 1,156 862
Dividend income 48 38 151 110
Interest-bearing deposits with banks 10 4 21 10
Total interest income 6,689 6,559 20,450 19,118
INTEREST EXPENSE        
Deposits 642 817 2,172 2,584
Repurchase agreements 2 2 5 64
Borrowings from Federal Home Loan Bank 255 305 814 841
Loans payable 10 0 23 0
Total interest expense 909 1,124 3,014 3,489
Net interest income 5,780 5,435 17,436 15,629
Provision for loan losses 560 308 1,562 897
Net interest income after provision for loan losses 5,220 5,127 15,874 14,732
NONINTEREST INCOME        
Service charges on deposit accounts 304 289 921 864
Net gain on sales of available for sale securities 0 18 1 18
Net gain (loss) on trading account securities (30) 31 201 31
Unrealized gain (loss) on derivative contract 7 (13) 6 (33)
Net gain on sales of loans 235 41 414 114
Increase in cash surrender value of life insurance 98 72 289 221
Gain on life insurance 0 321 0 321
Commission income 77 67 225 202
Real estate lease income 86 0 190 0
Other income 258 219 713 633
Total noninterest income 1,035 1,045 2,960 2,371
NONINTEREST EXPENSE        
Compensation and benefits 2,515 2,326 7,825 6,593
Occupancy and equipment 651 468 1,648 1,403
Data processing 262 452 887 1,074
Advertising 96 122 312 481
Professional fees 163 301 650 711
FDIC insurance premiums 133 83 366 266
Net loss on foreclosed real estate 76 96 173 206
Other operating expenses 777 721 2,408 2,202
Total noninterest expense 4,673 4,569 14,269 12,936
Income before income taxes 1,582 1,603 4,565 4,167
Income tax expense 441 331 1,238 1,021
Net Income 1,141 1,272 3,327 3,146
Preferred stock dividends declared 43 43 129 128
Net income available to common shareholders $ 1,098 $ 1,229 $ 3,198 $ 3,018
Net income per common share:        
Basic $ 0.51 $ 0.57 $ 1.48 $ 1.40
Diluted $ 0.48 $ 0.55 $ 1.41 $ 1.36
Weighted average common shares outstanding:        
Basic 2,173,914 2,167,488 2,164,281 2,159,515
Diluted 2,277,824 2,237,130 2,261,821 2,223,922
Dividends per common share $ 0.10 $ 0 $ 0.60 $ 0