0001571049-16-016244.txt : 20160624 0001571049-16-016244.hdr.sgml : 20160624 20160624105846 ACCESSION NUMBER: 0001571049-16-016244 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 52 CONFORMED PERIOD OF REPORT: 20160331 FILED AS OF DATE: 20160624 DATE AS OF CHANGE: 20160624 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FSB Bancorp, Inc. CENTRAL INDEX KEY: 0001667939 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 000000000 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 333-210129 FILM NUMBER: 161730197 BUSINESS ADDRESS: STREET 1: 45 SOUTH MAIN STREET CITY: FAIRPORT STATE: NY ZIP: 14450 BUSINESS PHONE: (585) 223-9080 MAIL ADDRESS: STREET 1: 45 SOUTH MAIN STREET CITY: FAIRPORT STATE: NY ZIP: 14450 FORMER COMPANY: FORMER CONFORMED NAME: FSB Community Bankshares, Inc. DATE OF NAME CHANGE: 20160224 10-Q 1 t1601579_10q.htm FORM 10-Q

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

 

 

FORM 10-Q

 

 

 

xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 

For the quarterly period ended March 31, 2016

 

OR

 

¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 

For the transition period from _______ to _______

 

 

 

FSB BANCORP, INC.

(Exact Name of Company as Specified in its Charter)

 

 

 

Maryland 333-210129 81-2509654
(State of Other Jurisdiction of (Commission File No.) (I.R.S. Employer Identification No.)
Incorporation)    

 

45 South Main Street, Fairport, NY 14450

(Address of Principal Executive Office) (Zip Code)

 

(585) 377-8970

(Issuer's Telephone Number including area code)

 

 

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

YES ¨          NO x

 

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (Section 232.405 of this Chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).

YES x          NO ¨

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act.

 

Large accelerated filer¨    Accelerated filer¨    Non-accelerated filer¨      Smaller reporting company  x

(Do not check if a smaller reporting company)

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). YES ¨    NO x

 

As of June 24, 2016, there were 100 shares issued and outstanding of the registrant’s common stock.

 

 

 

   

 

 

FSB BANCORP, INC.

INDEX

 

    PAGE NO.
PART I - FINANCIAL INFORMATION    
       
Item 1. Consolidated Financial Statements (Unaudited)    
  Consolidated Balance Sheets   3
  Consolidated Statements of Income   4
  Consolidated Statements of Comprehensive Income   5
  Consolidated Statements of Stockholders’ Equity   6
  Consolidated Statements of Cash Flows   7
  Notes to Consolidated Financial Statements   8
       
Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations (Unaudited)   21
       
Item 3. Quantitative and Qualitative Disclosures About Market Risk   32
       
Item 4. Controls and Procedures   32
       
PART II - OTHER INFORMATION   33
       
Item 1. Legal Proceedings   33
Item 1A. Risk Factors   33
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds   33
Item 3. Defaults upon Senior Securities   33
Item 4. Mine Safety Disclosures   33
Item 5. Other information   33
Item 6. Exhibits   33
       
SIGNATURES   34

 

   

 

PART I - FINANCIAL INFORMATION

Item 1 – Consolidated Financial Statements

 

FSB Community Bankshares, Inc.

Consolidated Balance Sheets

(Unaudited)

 

   March 31,   December 31, 
(In thousands, except share and per share data)  2016   2015 
ASSETS:          
Cash and due from banks  $1,623   $1,550 
Interest earning demand deposits   6,489    4,597 
Total cash and cash equivalents   8,112    6,147 
Available-for-sale securities, at fair value   19,284    19,968 
Held-to-maturity securities, at amortized cost (fair value of $9,804 and $13,222, respectively)   9,556    12,979 
Investment in Federal Home Loan Bank stock, at cost   2,415    2,388 
Loans held for sale   3,907    3,880 
Loans   206,563    202,641 
Less: Allowance for loan losses   (855)   (811)
Loans receivable, net   205,708    201,830 
Bank owned life insurance   3,646    3,629 
Accrued interest receivable   643    655 
Premises and equipment, net   2,965    2,744 
Other assets   1,546    1,587 
Total assets  $257,782   $255,807 
           
LIABILITIES AND STOCKHOLDERS' EQUITY:          
Deposits:          
Non-interest bearing  $6,563   $6,974 
Interest bearing   181,026    178,587 
Total deposits   187,589    185,561 
Long-term borrowings   46,697    46,092 
Official bank checks   157    1,114 
Other liabilities   1,316    1,280 
Total liabilities   235,759    234,047 
Stockholders' equity:          
Preferred stock – no par value; 1,000,000 shares authorized, no shares issued and outstanding   -    - 
Common stock, par value $0.10; 10,000,000 authorized shares; 1,785,000 issued; 1,779,472 shares outstanding   179    179 
Paid-in capital   7,240    7,239 
Retained earnings   15,062    14,985 
Accumulated other comprehensive loss   (36)   (212)
Treasury stock at cost, 5,528 shares   (46)   (46)
Unearned ESOP shares at cost   (376)   (385)
Total stockholders’ equity   22,023    21,760 
Total liabilities and stockholders' equity  $257,782   $255,807 

 

The accompanying notes are an integral part of the consolidated financial statements.

 

 - 3 - 

 

FSB Community Bankshares, Inc.

Consolidated Statements of Income

(Unaudited)

 

   For the three   For the three 
   months ended   months ended 
(In thousands, except per share data)  March 31, 2016   March 31, 2015 
Interest and dividend income:          
Loans, including fees  $2,084   $1,969 
Securities:          
Taxable   98    128 
Tax-exempt   23    23 
Mortgage-backed securities   58    71 
Other   4    1 
Total interest and dividend income   2,267    2,192 
Interest expense:          
Interest on deposits   362    279 
Interest on short-term borrowings   -    1 
Interest on long-term borrowings   184    184 
Total interest expense   546    464 
Net interest income   1,721    1,728 
Provision for loan losses   45    38 
Net interest income after provision for loan losses   1,676    1,690 
Other income:          
Service fees   33    41 
Fee income   66    48 
Increase in cash surrender value of bank owned life insurance   17    18 
Realized gain on sale of loans   348    219 
Mortgage fee income   170    101 
Other   37    35 
Total other income   671    462 
Other expense:          
Salaries and employee benefits   1,356    1,265 
Occupancy   254    245 
Data processing costs   50    35 
Advertising   30    38 
Equipment   152    137 
Electronic banking   26    20 
Directors’ fees   66    48 
Mortgage fees and taxes   91    68 
FDIC premium expense   42    38 
Audits and tax services   34    3 
Other   177    170 
Total other expenses   2,278    2,067 
Income before income taxes   69    85 
Benefit for income taxes   (8)   (2)
Net income  $77   $87 
Earnings per common share - basic  $0.04   $0.05 

 

The accompanying notes are an integral part of the consolidated financial statements.

 

 - 4 - 

 

FSB Community Bankshares, Inc.

Consolidated Statements of Comprehensive Income

(Unaudited)

 

   For the three months ended 
(In thousands)  March 31, 2016   March 31, 2015 
Net Income  $77   $87 
           
Other Comprehensive Income          
           
Unrealized holding gains on available for sale securities          
Unrealized holding gains arising during the period   96    10 
Net unrealized gain on available for sale securities   96    10 
           
Accretion of net unrealized loss on securities transferred to held-to-maturity(1)   113    7 
           
Other comprehensive income, before tax   209    17 
Tax effect   33    4 
Other comprehensive income, net of tax   176    13 
Comprehensive income  $253   $100 
           
           
Tax Effect Allocated to Each Component of Other Comprehensive Income          
Unrealized holding (losses) gains arising during the period  $(33)  $(3)
Accretion of net unrealized loss on securities transferred to held-to-maturity   66    7 
Income tax effect related to other comprehensive income  $33   $4 

 

The accompanying notes are an integral part of the consolidated financial statements.

 

(1)The accretion of the unrealized holding losses in accumulated other comprehensive income at the date of transfer partially offsets the amortization of the difference between the par value and the fair value of the investment securities at the date of transfer, and is an adjustment of yield.

 

 - 5 - 

 

FSB Community Bankshares, Inc.

Consolidated Statements of Stockholders’ Equity

(Unaudited)

 

              

Accumulated

Other

             
   Common   Paid in   Retained   Comprehensive   Treasury   Unearned     
(In thousands, except share and per share data)  Stock   Capital   Earnings   Loss   Stock   ESOP   Total 
                             
Balance, January 1, 2016  $179   $7,239   $14,985   $(212)  $(46)  $(385)  $21,760 
                                    
Net income   -    -    77    -    -    -    77 
                                    
Other comprehensive income, net of tax   -    -    -    176    -    -    176 
                                    
Effect of the employee stock ownership plan, net   -    -    -    -    -    -    - 
                                    
ESOP shares committed to be released   -    1    -    -    -    9    10 
                                    
Balance, March 31, 2016  $179   $7,240   $15,062   $(36)  $(46)  $(376)  $22,023 
                                    
Balance, January 1, 2015  $179   $7,239   $14,472   $(226)  $(40)  $(420)  $21,204 
                                    
Net income   -    -    87    -    -    -    87 
                                    
Other comprehensive income, net of tax   -    -    -    13    -    -    13 
                                    
Effect of the employee stock ownership plan, net   -    -    -    -    -    -    - 
                                    
ESOP shares committed to be released   -    -    -    -    -    9    9 
                                    
Balance, March 31, 2015  $179   $7,239   $14,559   $(213)  $(40)  $(411)  $21, 313 

 

The accompanying notes are an integral part of the consolidated financial statements.

 

 - 6 - 

 

FSB Community Bankshares, Inc.

Consolidated Statements of Cash Flows

(Unaudited)

 

   For the Three Months Ended March 31, 
(In thousands)  2016   2015 
OPERATING ACTIVITIES          
Net income  $77   $87 
Adjustments to reconcile net income to net cash flows from operating activities:          
Net amortization of premiums and accretion of discounts on investments   140    43 
Gain on sale of loans   (348)   (219)
Proceeds from loans sold   5,420    3,404 
Loans originated for sale   (5,099)   (3,000)
Amortization of net deferred loan origination costs   133    125 
Depreciation and amortization   113    106 
Provision for loan losses   45    38 
Expense related to ESOP   10    9 
Deferred income tax benefit   (68)   (48)
Earnings on investment in bank owned life insurance   (17)   (18)
Decrease in accrued interest receivable   12    38 
Decrease (increase) in other assets   41    (313)
Increase in other liabilities   71    2 
Net cash flows from operating activities   530    254 
INVESTING ACTIVITIES          
Purchases of securities available-for-sale   (3,910)   - 
Proceeds from maturities and calls of securities available-for-sale   3,833    1,000 
Proceeds from principal paydowns on securities available-for-sale   831    938 
Proceeds from maturities and calls of securities held-to-maturity   3,391    - 
Proceeds from principal paydowns on securities held-to-maturity   31    89 
Net increase in loans   (4,056)   (764)
Purchase of Federal Home Loan Bank stock, net   (27)   (16)
Purchase of premises and equipment   (334)   (153)
Net cash flows from investing activities   (241)   1,094 
FINANCING ACTIVITIES          
Net increase in deposits   2,028    1,022 
Proceeds from borrowings   3,500    2,500 
Repayments on borrowings   (2,895)   (2,153)
Net decrease in official bank checks   (957)   (204)
Net cash flows from financing activities   1,676    1,165 
Change in cash and cash equivalents   1,965    2,513 
Cash and cash equivalents at beginning of period   6,147    4,335 
Cash and cash equivalents at end of period  $8,112   $6,848 
CASH PAID DURING THE PERIOD FOR:          
Interest  $546   $464 
Income taxes  $17   $- 

 

The accompanying notes are an integral part of the consolidated financial statements.

 

 - 7 - 

 

Notes to Consolidated Financial Statements (Unaudited)

 

Note 1:   Basis of Presentation

 

The accompanying unaudited consolidated financial statements of FSB Community Bankshares, Inc., (the “Company”), Fairport Savings Bank (the “Bank”) and its other wholly owned subsidiary, Fairport Wealth Management, have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information, the instructions for Form 10-Q and Article 8 of Regulation S-X. Accordingly, they do not include all of the information and footnotes necessary for a complete presentation of consolidated financial condition, results of operations and cash flows in conformity with generally accepted accounting principles. In the opinion of management, all adjustments, consisting of normal recurring accruals considered necessary for a fair presentation, have been included. Operating results for the three months ended March 31, 2016 are not necessarily indicative of the results that may be expected for the year ending December 31, 2016 or any other interim period.

 

The Company's consolidated financial statements are prepared in accordance with accounting principles generally accepted in the United States and follow practices within the banking industry. Application of these principles requires management to make estimates, assumptions, and judgments that affect the amounts reported in the consolidated financial statements and accompanying notes. These estimates, assumptions, and judgments are based on information available as of the date of the financial statements; accordingly, as this information changes, the financial statements could reflect different estimates, assumptions, and judgments. Certain policies inherently have a greater reliance on the use of estimates, assumptions, and judgments and as such have a greater possibility of producing results that could be materially different than originally reported. Estimates, assumptions, and judgments are necessary when assets and liabilities are required to be recorded at fair value or when an asset or liability needs to be recorded contingent upon a future event. Carrying assets and liabilities at fair value inherently results in more financial statement volatility. The fair values and information used to record valuation adjustments for certain assets and liabilities are based on quoted market prices or are provided by other third-party sources, when available. When third party information is not available, valuation adjustments are estimated in good faith by management.

 

On March 2, 2016, the Board of Directors of the Company, FSB Community Bankshares, MHC (the “MHC”), and the Bank announced the adoption of a Plan of Conversion and Reorganization (“Plan of Conversion”).  Pursuant to the Plan of Conversion, the MHC will sell its majority ownership interest in the Company in a “second step” stock offering.  On May 13, 2016, the Securities and Exchange Commission declared the registration statement of FSB Bancorp, Inc., a Maryland corporation (the “New Holding Company”) relating to the sale of its common stock effective. The New Holding Company is proposing to sell between 765,000 shares and 1,035,000 shares of common stock at $10.00 per share in the offering.  Concurrent with the completion of the offering, shares of common stock of the Company will be converted into the right to receive between 0.8041 of a share and 1.0879 shares of New Holding Company common stock for each share of the Company’s common stock that was owned immediately prior to completion of the conversion. Cash in lieu of fractional shares will be paid based on the offering price of $10.00 per share. Following completion of the conversion and offering, the Bank will be 100% owned by the New Holding Company and the New Holding Company will be 100% owned by public stockholders.

 

Note 2:   New Accounting Pronouncements

 

The Financial Accounting Standards Board (FASB) has issued Accounting Standards Update (ASU) No. 2016-09, Compensation—Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting, which is part of the FASB Simplification Initiative to identify specific areas of U.S. generally accepted accounting principles (U.S. GAAP) for which cost and complexity can be reduced while maintaining or improving the usefulness of the information provided. The simplifications, which cover various matters, including the income tax consequences of share-based payment arrangements, classification in the statement of cash flows of employee taxes paid, and two practical expedients for non-public entities, amends various Topics and Subtopics in the FASB Accounting Standards Codification (the “Codification”).

 

Accounting for Income Taxes - Under current U.S. GAAP, if the deduction for a share-based payment award for income tax purposes exceeds the compensation cost for accounting purposes, then the additional tax benefit is recognized in additional paid-in capital and referred to as an excess tax benefit. Accumulated excess tax benefits are available to offset current and subsequent period tax deficiencies (i.e., when the deduction for tax purposes is less than the compensation cost for accounting purposes). If the accumulated amount is exhausted, then all subsequent tax deficiencies are recognized in the

 

 - 8 - 

 

income statement. The foregoing income tax accounting requirements apply to share-based-payment transactions and to employee stock ownership plan transactions. As amended by ASU No. 2016-09, (1) all excess tax benefits and all tax deficiencies are to be recognized as income tax expense or benefit in the income statement, (2) such benefits and deficiencies are deemed to be discrete items in the reporting period in which they occur (i.e., they should not be considered in determining the annual estimated effective tax rate), and (3) because there is no longer any excess tax benefits recognized in additional paid-in capital, the assumed proceeds from applying the treasury stock method when computing earnings per share (EPS) will exclude the amount of excess tax benefits that would have been recognized in additional paid-in capital.

 

Classification of Excess Tax Benefits in the Cash Flow Statement - Under current U.S. GAAP, excess tax benefits are required to be separated from other income tax cash flows and classified as a financing activity in the cash flow statement. As amended by ASU No. 2016-09, the requirement to present excess tax benefits as cash inflows from financing activities and as cash outflows from operating activities has been eliminated, and, thus, amounts relating to excess tax benefits must be classified in the cash flow statement as an operating activity.

 

Forfeitures - Current U.S. GAAP requires compensation cost to be recognized for awards in which the requisite service period is rendered (i.e., for awards with performance or service conditions, compensation cost is recognized only for awards that vest). Also, under current U.S. GAAP, an estimate must be made of the number of awards for which the requisite service period is expected to be rendered, and accruals of compensation cost must be based on the estimated number of awards that will vest. As amended by ASU No. 2016-09, an entity-wide accounting policy election could be made either to (1) estimate the effect of forfeitures in the initial accrual of compensation cost each year, or (2) account for forfeitures in compensation cost when they actually occur.

 

Minimum Statutory Withholding Tax Requirements - Current U.S. GAAP requires an award to be classified as a liability if an amount in excess of the minimum statutory withholding requirements is withheld (or may be withheld) at the employee’s discretion. As amended by ASU No. 2016-09, the requirement for classification as a liability has been modified so that a partial cash settlement of an award for tax withholding will not, of itself, automatically result in liability classification, provided that the amount withheld does not exceed the maximum individual statutory tax rate in the applicable jurisdictions.

 

Classification in the Cash Flow Statement of Employee Taxes Paid When an Employer Withholds Shares for Tax-Withholding Purposes - As amended by ASU No. 2016-09, cash paid by an employer to a taxing authority when directly withholding shares for tax withholding purposes is classified as a financing activity in the cash flow statement. Current U.S. GAAP does not directly address the cash flow statement classification of such transactions. The Practical Expedients for Non-Public Entities for the expected term of a share option and intrinsic value are not applicable to a public entity and therefore will not be discussed.

 

Elimination of Indefinitely Deferred Guidance - FASB Staff Position FAS 123(R)-1, Classification and Measurement of Freestanding Financial Instruments Originally Issued in Exchange for Employee Services under FASB Statement No. 123(R), indefinitely deferred the guidance making a freestanding financial instrument subject to the recognition and measurement requirements of other U.S. GAAP when the rights conveyed by the instrument are no longer dependent on the holder being an employee. As amended by ASU No. 2016-09, such deferred guidance has been eliminated from the Codification (and, accordingly, there will be no change in the application of existing U.S. GAAP).

 

The amended guidance in ASU No. 2016-09 is effective for public business entities, for annual periods beginning after December 15, 2016 and for interim periods within those annual periods. Early adoption is permitted. The Company is evaluating the impact that this standard will have on their consolidated financial statements.

 

Note 3:   Earnings per Common Share

 

Basic earnings per share is calculated by dividing net income available to common stockholders by the weighted average number of common shares outstanding during the period. Net income available to common stockholders is net income to FSB Community Bankshares, Inc. The Company has not granted any restricted stock awards or stock options and, during the periods ended March 31, 2016 and 2015, had no potentially dilutive common stock equivalents. Unallocated common shares held by the ESOP are not included in the weighted-average number of common shares outstanding for purposes of calculating earnings per common share until they are committed to be released.

 

 - 9 - 

 

The following table sets forth the calculation of basic earnings per share.

 

   Three months ended 
   March 31, 
(In thousands, except per share data)  2016   2015 
Basic Earnings Per Common Share          
Net income available to common stockholders  $77   $87 
Weighted average common shares outstanding   1,742    1,739 
Basic earnings per common share  $0.04   $0.05 

 

Note 4:   Investment Securities

 

The amortized cost and estimated fair value of investment securities are summarized as follows:

 

   March 31, 2016 
       Gross   Gross     
   Amortized   Unrealized   Unrealized   Fair 
(In thousands)  Cost   Gains   Losses   Value 
Available-for-Sale Portfolio                    
U.S. Government and agency obligations  $6,077   $12   $-   $6,089 
Mortgage-backed securities – residential   13,117    110    (32)   13,195 
Total available-for-sale  $19,194   $122   $(32)  $19,284 
Held-to-Maturity Portfolio                    
Mortgage-backed securities – residential  $1,504   $39   $-   $1,543 
U.S. Government and agency obligations   3,405    102    -    3,507 
State and municipal securities   4,647    107    -    4,754 
Total held-to-maturity  $9,556   $248   $-   $9,804 

 

   December 31, 2015 
       Gross   Gross     
   Amortized   Unrealized   Unrealized   Fair 
(In thousands)  Cost   Gains   Losses   Value 
Available-for-Sale Portfolio                    
U.S. Government and agency obligations  $6,000   $-   $(32)  $5,968 
Mortgage-backed securities – residential   13,974    101    (75)   14,000 
Total available-for-sale  $19,974   $101   $(107)  $19,968 
Held-to-Maturity Portfolio                    
Mortgage-backed securities – residential  $1,535   $39   $-   $1,574 
U.S. Government and agency obligations   6,793    129    -    6,922 
State and municipal securities   4,651    76    (1)   4,726 
Total held-to-maturity  $12,979   $244   $(1)  $13,222 

 

 - 10 - 

 

The amortized cost and estimated fair value of debt investments at March 31, 2016 by contractual maturity are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalties.

 

   Available-for-Sale   Held-to-Maturity 
   Amortized       Amortized     
(In thousands)  Cost   Fair Value   Cost   Fair Value 
Due in one year or less  $-   $-   $156   $158 
Due after one year through five years   1,000    1,001    2,438    2,489 
Due after five years through ten years   3,167    3,173    4,503    4,614 
Due after ten years   1,910    1,915    955    1,000 
Sub-total  $6,077   $6,089   $8,052   $8,261 
Mortgage-backed securities – residential   13,117    13,195    1,504    1,543 
Totals  $19,194   $19,284   $9,556   $9,804 

 

The Company’s investment securities’ gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are as follows:

 

   March 31, 2016 
   Less than Twelve Months   Twelve Months or More   Total 
   Number of           Number of           Number of         
   Individual   Unrealized   Fair   Individual   Unrealized   Fair   Individual   Unrealized   Fair 
(Dollars in thousands)  Securities   Losses   Value   Securities   Losses   Value   Securities   Losses   Value 
Available-for-Sale                                             
U.S. Government and agency obligations   -   $-   $-    -   $-   $-    -   $-   $- 
Mortgage-backed securities - residential   2    5    2,295    3    27    2,536    5    32    4,831 
Totals   2   $5   $2,295    3   $27   $2,536    5   $32   $4,831 
Held-to-Maturity                                             
State and municipal securities(1)   1   $-   $81    1   $-   $45    2   $-   $126 
Totals   1   $-   $81    1   $-   $45    2   $-   $126 

 

   December 31, 2015 
   Less than Twelve Months   Twelve Months or More   Total 
   Number of           Number of           Number of         
   Individual   Unrealized   Fair   Individual   Unrealized   Fair   Individual   Unrealized   Fair 
(Dollars in thousands)  Securities   Losses   Value   Securities   Losses   Value   Securities   Losses   Value 
Available-for-Sale                                             
U.S. Government and agency obligations   6   $32   $5,968    -   $-   $-    6   $32   $5,968 
Mortgage-backed securities - residential   5    61    6,283    1    14    821    6    75    7,104 
Totals   11   $93   $12,251    1   $14   $821    12   $107   $13,072 
Held-to-Maturity                                             
State and municipal securities(1)   2   $-   $455    2   $1   $126    4   $1   $581 
Totals   2   $-   $455    2   $1   $126    4   $1   $581 

 

(1) Aggregate unrealized loss position of these securities is less than $500.

 

The Company conducts a formal review of investment securities on a quarterly basis for the presence of other-than-temporary impairment (“OTTI”). The Company assesses whether OTTI is present when the fair value of a debt security is less than its amortized cost basis at the statement of condition date. Under these circumstances, OTTI is considered to have occurred (1) if we intend to sell the security; (2) if it is “more likely than not” we will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of expected cash flows is not anticipated to be sufficient to recover the entire amortized cost basis. The guidance requires that credit-related OTTI is recognized in

 

 - 11 - 

 

earnings while non-credit-related OTTI on securities not expected to be sold is recognized in other comprehensive income (“OCI”). Non-credit-related OTTI is based on other factors, including illiquidity and changes in the general interest rate environment. Presentation of OTTI is made in the consolidated statement of income on a gross basis, including both the portion recognized in earnings as well as the portion recorded in OCI. The gross OTTI would then be offset by the amount of non-credit-related OTTI, showing the net as the impact on earnings.

 

There were seven securities in an unrealized loss position at March 31, 2016, of which four have been in loss positions for a period greater than twelve months and three have been in loss positions for a period less than twelve months. This compares to 16 securities in an unrealized loss position at December 31, 2015, of which three had been in loss positions for a period greater than twelve months and 13 had been in loss positions for a period less than twelve months. Among the four securities in loss positions for a period greater than twelve months at March 31, 2016, three were mortgage-backed pass-through securities or collateralized mortgage obligations issued by the following entities sponsored and guaranteed by the United States Government: FNMA, FHLMC, FHLB and FFCB. These issuing entities are currently rated Aaa by Moody’s Investor Services and AA+ by Standard and Poors. The remaining security that has been in a loss position for a period greater than twelve months was issued by a state or political subdivision.

 

Among the three securities in an unrealized loss position at March 31, 2016 for less than twelve months, two were either direct issuances of, or mortgage-backed securities or collateralized mortgage obligations issued by, the following entities sponsored and guaranteed by the United States Government: FNMA, FHLMC, FHLB and FFCB. The remaining security was issued by a state or political subdivision. The unrealized losses reflected are primarily attributable to changes in interest rates since the securities were acquired. The Company does not intend to sell these securities, nor is it more likely than not, that the Company will be required to sell these securities prior to recovery of the amortized cost. As such, management does not believe any individual unrealized loss as of March 31, 2016 represents OTTI.

 

There were no sales of securities for the three months ended March 31, 2016 and 2015.

 

As of March 31, 2016 and December 31, 2015, no securities were pledged to secure public deposits or for any other purpose required or permitted by law.

 

Management has reviewed its loan and mortgage-backed securities portfolios and determined that, to the best of its knowledge, little or no exposure exists to sub-prime or other high-risk residential mortgages. The Company is not in the practice of investing in, or originating, these types of investments or loans.

 

 - 12 - 

 

Note 5:   Loans

 

Major classifications of loans at the indicated dates are as follows:

 

   March 31,   December 31, 
(In thousands)  2016   2015 
Real estate loans:          
Secured by one-to-four family residences  $178,677   $177,037 
Secured by multi-family residences   5,469    5,146 
Construction   1,544    1,251 
Commercial real estate   4,589    3,522 
Home equity lines of credit   15,087    14,523 
Total real estate loans   205,366    201,479 
Commercial and industrial loans   896    853 
Other loans   64    61 
Total loans   206,326    202,393 
Net deferred loan origination costs   237    248 
Less allowance for loan losses   (855)   (811)
Loans receivable, net  $205,708   $201,830 

 

The Company originates residential mortgage, commercial, and consumer loans largely to customers throughout Monroe county and the surrounding western New York counties of Erie, Livingston, Ontario, Orleans, Jefferson and Wayne. Although the Company has a diversified loan portfolio, a substantial portion of its borrowers’ abilities to honor their loan contracts is dependent upon the counties’ employment and economic conditions.

 

As of March 31, 2016 and December 31, 2015, residential mortgage loans with a carrying value of $163.3 million and $168.2 million, respectively, have been pledged by the Company to the Federal Home Loan Bank of New York (“FHLBNY”) under a blanket collateral agreement to secure the Company’s line of credit and term borrowings. The Company retains the servicing on most fixed-rate mortgage loans sold and receives a fee based on the principal balance outstanding. Loans serviced for others totaled $90.9 million and $85.9 million at March 31, 2016 and December 31, 2015, respectively. Loan servicing rights are recorded at fair value when loans are sold with servicing rights retained. The fair value of the mortgage servicing rights (“MSRs”) is determined using a method which utilizes servicing income, discount rates, and prepayment speeds relative to the Bank’s portfolio for MSRs and are amortized over the life of the loan. MSRs amounted to $598,000 and $561,000 at March 31, 2016 and December 31, 2015, respectively, and are included in other assets on the consolidated balance sheets.

 

Loan Origination / Risk Management

 

The Company’s lending policies and procedures are presented in Note 3 to the consolidated financial statements included in the New Holding Company’s Registration Statement on Form S-1 declared effective by the Securities and Exchange Commission on May 13, 2016 and have not changed.

 

To develop and document a systematic methodology for determining the allowance for loan losses, the Company has divided the loan portfolio into two portfolio segments, each with different risk characteristics but with similar methodologies for assessing risk.  Each portfolio segment is broken down into loan classes where appropriate.  Loan classes contain unique measurement attributes, risk characteristics, and methods for monitoring and assessing risk that are necessary to develop the allowance for loan losses. Unique characteristics such as borrower type, loan type, collateral type, and risk characteristics define each class. 

 

 - 13 - 

 

The following table illustrates the portfolio segments and classes for the Company’s loan portfolio:

 

Portfolio Segment Class
   
Real Estate Loans Secured by one-to-four family residences
  Secured by multi-family residences
 

Construction

Commercial real estate

Home equity lines of credit

   
Other Loans Commercial and industrial
  Other loans
   
   

 

The following tables present the classes of the loan portfolio, not including net deferred loan fees, summarized by the aggregate pass rating and the classified ratings of special mention, substandard and doubtful within the Company's internal risk rating system as of the dates indicated:

 

   As of March 31, 2016 
       Special             
(In thousands)  Pass   Mention   Substandard   Doubtful   Total 
Real estate loans:                         
Secured by one-to-four family residences  $177,414   $-   $1,263   $-   $178,677 
Secured by multi-family residences   5,469    -    -    -    5,469 
Construction   1,544    -    -    -    1,544 
Commercial real estate   4,589    -    -    -    4,589 
Home equity lines of credit   14,790    -    297    -    15,087 
Total real estate loans   203,806    -    1,560    -    205,366 
Commercial & industrial loans   896    -    -    -    896 
Other loans   63    -    -    1    64 
Total loans  $204,765   $-   $1,560   $1   $206,326 

 

   As of December 31, 2015 
       Special             
(In thousands)  Pass   Mention   Substandard   Doubtful   Total 
Real estate loans:                         
Secured by one-to-four family residences  $175,885   $-   $1,152   $-   $177,037 
Secured by multi-family residences   5,146    -    -    -    5,146 
Construction   1,251    -    -    -    1,251 
Commercial real estate   3,522    -    -    -    3,522 
Home equity lines of credit   14,223    -    300    -    14,523 
Total real estate loans   200,027    -    1,452    -    201,479 
Commercial & industrial loans   853    -    -    -    853 
Other loans   60    -    -    1    61 
Total loans  $200,940   $-   $1,452   $1   $202,393 

 

Management has reviewed its loan portfolio and determined that, to the best of its knowledge, no exposure exists to sub-prime or other high-risk residential mortgages. The Company is not in the practice of originating these types of loans.

 

 - 14 - 

 

Nonaccrual and Past Due Loans

 

Loans are placed on nonaccrual when the contractual payment of principal and interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan may be currently performing.

 

Loans are considered past due if the required principal and interest payments have not been received within thirty days of the payment due date. An age analysis of past due loans, segregated by portfolio segment and class of loans, as of March 31, 2016 and December 31, 2015, are detailed in the following tables:

 

   As of March 31, 2016 
   30-59 Days   60-89 Days                 
   Past Due   Past Due   90 Days   Total       Total Loans 
(In thousands)  And Accruing   And Accruing   and Over   Past Due   Current   Receivable 
Real estate loans:                              
Secured by one-to-four family residences  $90   $-   $118   $208   $178,469   $178,677 
Secured by multi-family residences   -    -    -    -    5,469    5,469 
Construction   -    -    -    -    1,544    1,544 
Commercial   -    -    -    -    4,589    4,589 
Home equity lines of credit   -    -    18    18    15,069    15,087 
Total real estate loans   90    -    136    226    205,140    205,366 
Commercial & industrial loans   -    -    -    -    896    896 
Other loans   1    -    -    1    63    64 
Total loans  $91   $-   $136   $227   $206,099   $206,326 

 

   As of December 31, 2015 
   30-59 Days   60-89 Days                 
   Past Due   Past Due   90 Days   Total       Total Loans 
(In thousands)  And Accruing   And Accruing   and Over   Past Due   Current   Receivable 
Real estate loans:                              
Secured by one-to-four family residences  $118   $-   $63   $181   $176,856   $177,037 
Secured by multi-family residences   -    -    -    -    5,146    5,146 
Construction   -    -    -    -    1,251    1,251 
Commercial   -    -    -    -    3,522    3,522 
Home equity lines of credit   -    -    18    18    14,505    14,523 
Total real estate loans   118    -    81    199    201,280    201,479 
Commercial & industrial loans   -    -    -    -    853    853 
Other loans   9    -    1    10    51    61 
Total loans  $127   $-   $82   $209   $202,184   $202,393 

  

At March 31, 2016, the Company had one nonaccrual residential mortgage loan for $89,000, one nonaccrual home equity line of credit for $18,000, and one nonaccrual home equity loan for $29,000. At December 31, 2015, the Company had one nonaccrual residential mortgage loan for $63,000, one nonaccrual home equity line of credit for $18,000, and one nonaccrual checking line of credit for $1,000.

 

 - 15 - 

 

There were no loans that were past due 90 days or more and still accruing interest at March 31, 2016 or December 31, 2015. At March 31, 2016 and December 31, 2015, there were no loans considered to be impaired and no troubled debt restructurings.

 

Note 6:   Allowance for Loan Losses and Foreclosed Real Estate

 

Summarized in the tables below are changes in the allowance for loan losses for the indicated periods and information pertaining to the allocation of the allowance for loan losses, balances of the allowance for loan losses, loans receivable based on individual, and collective impairment evaluation by loan portfolio class. An allocation of a portion of the allowance to a given portfolio class does not limit the Company’s ability to absorb losses in another portfolio class.

 

March 31, 2016 
   Secured by   Secured by                         
   one-to-four   multi-family           Home equity             
   family residences   residences   Construction   Commercial   lines of credit   Commercial   Other/     
(In thousands)  real estate loans   real estate loans   real estate loans   real estate loans   real estate loans   & industrial   Unallocated   Total 
Allowance for loan losses:                                        
Beginning Balance  $524   $39   $6   $35   $101   $11   $95   $811 
Charge-offs   -    -    -    -    -    -    (1)   (1)
Recoveries   -    -    -    -    -    -    -    - 
Provisions   15    2    2    11    3    -    12    45 
Ending balance  $539   $41   $8   $46   $104   $11   $106   $855 

 

March 31, 2015 
   Secured by   Secured by                         
   one-to-four   multi-family           Home equity             
   family residences   residences   Construction   Commercial   lines of credit   Commercial   Other/     
(In thousands)  real estate loans   real estate loans   real estate loans   real estate loans   real estate loans   & industrial   Unallocated   Total 
Allowance for loan losses:                                        
Beginning Balance  $448   $29   $6   $14   $87   $1   $68   $653 
Charge-offs   -    -    -    -    -    -    -    - 
Recoveries   -    -    -    -    -    -    -    - 
Provisions   (7)   -    (1)   -   $10    -    36    38 
Ending balance  $441   $29   $5   $14   $97   $1   $104   $691 

 

The Company had no foreclosed real estate at March 31, 2016 or December 31, 2015.

 

At March 31, 2016, the Company did not have any residential real estate loans in the process of foreclosure.

 

 - 16 - 

 

Note 7:   Fair Value Measurements

 

Accounting guidance related to fair value measurements and disclosures specifies a hierarchy of valuation techniques based on whether the inputs to those valuation techniques are observable or unobservable. Observable inputs reflect market data obtained from independent sources, while unobservable inputs reflect the Company’s market assumptions. These two types of inputs have created the following fair value hierarchy:

 

Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.

 

Level 2 – Quoted prices for similar assets and liabilities in active markets; quoted prices for identical or similar assets or liabilities in markets that are not active; and model-derived valuations in which all significant inputs and significant value drivers are observable in active markets.

 

Level 3 – Model-derived valuations in which one or more significant inputs or significant value drivers are unobservable.

 

An asset’s or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.

 

In determining fair value, the Company utilizes valuation techniques that maximize the use of observable inputs, minimize the use of unobservable inputs, to the extent possible, and considers counterparty credit risk in its assessment of fair value.

 

The following tables summarize assets measured at fair value on a recurring basis as of the indicated dates, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value:

 

   March 31, 2016 
(In thousands)  Level 1   Level 2   Level 3   Total Fair Value 
Available-for-sale portfolio                    
U.S. Government and agency obligations  $-   $6,089   $-   $6,089 
Mortgage-backed securities – residential   -    13,195    -    13,195 
Total available-for-sale securities  $-   $19,284   $-   $19,284 

 

   December 31, 2015 
(In thousands)  Level 1   Level 2   Level 3   Total Fair Value 
Available-for-sale portfolio                    
U.S. Government and agency obligations  $-   $5,968   $-   $5,968 
Mortgage-backed securities – residential   -    14,000    -    14,000 
Total available-for-sale securities  $-   $19,968   $-   $19,968 

 

There have been no transfers of assets into or out of any fair value measurement level during the quarter ended March 31, 2016.

 

Required disclosures include fair value information of financial instruments, whether or not recognized in the consolidated statement of condition, for which it is practicable to estimate that value. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instrument.

 

 - 17 - 

 

The Company has various processes and controls in place to ensure that fair value is reasonably estimated. The Company performs due diligence procedures over third-party pricing service providers in order to support their use in the valuation process. 

 

While the Company believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date.

 

Management uses its best judgment in estimating the fair value of the Company’s financial instruments; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Company could have realized in a sale transaction on the dates indicated. The estimated fair value amounts have been measured as of their respective period-ends, and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates. As such, the estimated fair values of these financial instruments subsequent to the respective reporting dates may be different than the amounts reported at each period-end.

 

The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company’s assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company’s disclosures and those of other companies may not be meaningful. The Company, in estimating its fair value disclosures for financial instruments, used the following methods and assumptions:

 

Cash, Due from Banks, and Interest Bearing Demand Deposits

 

The carrying amounts of these assets approximate their fair values.

 

Investment Securities

 

The fair value of securities available for sale (carried at fair value) and held to maturity (carried at amortized cost) are determined by matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted market prices for the specific securities but rather relying on the securities’ relationship to other benchmark quoted prices and is considered to be a Level 2 measurement.

 

Investment in FHLB Stock

 

The carrying value of FHLB stock approximates its fair value based on the redemption provisions of the FHLB stock, resulting in a Level 2 classification.

 

Loans

 

The fair values of loans held in portfolio are estimated using discounted cash flow analyses, using market rates at the balance sheet date that reflect the credit and interest rate-risk inherent in the loans, resulting in a Level 3 classification. Projected future cash flows are calculated based upon contractual maturity or call dates, projected repayments and prepayments of principal. Generally, for variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values.

 

Mortgage loans held for sale in the secondary market are carried at the lower of cost or fair value, resulting in a Level 2 classification. Separate determinations of fair value for residential and commercial loans are made on an aggregate basis. Fair value is determined based solely on the effect of changes in secondary market interest rates and yield requirements from the commitment date to the date of the financial statements.

 

 - 18 - 

  

Accrued Interest Receivable and Payable

 

The carrying amount of accrued interest receivable and payable approximates fair value.

 

Deposits

 

The fair values disclosed for demand deposits (e.g., NOW accounts, non-interest checking, regular savings and certain types of money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts), resulting in a Level 1 classification. The carrying amounts for variable-rate certificates of deposit approximate their fair values at the reporting date, resulting in a Level 1 classification. Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies market interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits, resulting in a Level 2 classification.

 

Borrowings

 

The fair values of FHLB long-term borrowings are estimated using discounted cash flow analyses, based on the quoted rates for new FHLB advances with similar credit risk characteristics, terms and remaining maturity, resulting in a Level 2 classification.

 

The carrying amounts and fair values of the Company’s financial instruments as of the indicated dates are presented in the following table:

 

      March 31, 2016   December 31, 2015 
   Fair Value  Carrying   Estimated   Carrying   Estimated 
(In thousands)  Hierarchy  Amounts   Fair Values   Amounts   Fair Values 
Financial assets:                       
Cash and due from banks  1  $1,623   $1,623   $1,550   $1,550 
Interest earning demand deposits  1   6,489    6,489    4,597    4,597 
Securities - available-for-sale  2   19,284    19,284    19,968    19,968 
Securities - held-to-maturity  2   9,556    9,804    12,979    13,222 
Investment in FHLB stock  2   2,415    2,415    2,388    2,388 
Loans held for sale  2   3,907    3,907    3,880    3,880 
Loans, net  3   205,708    205,590    201,830    201,886 
Accrued interest receivable  1   643    643    655    655 
                        
Financial liabilities:                       
Demand Deposits, Savings, NOW and MMDA  1   86,692    86,692    84,060    84,060 
Time Deposits  2   100,897    100,713    101,501    101,272 
Borrowings  2   46,697    46,443    46,092    46,447 
Accrued interest payable  1   63    63    60    60 

 

 - 19 - 

 

Note 8:   Accumulated Other Comprehensive Income (Loss)

 

Changes in the components of accumulated other comprehensive income (loss) (“AOCI”), net of tax, for the periods indicated are summarized in the table below.

 

   For the three months ended March 31, 2016 
(In thousands)  Unrealized Gains and Losses on
Available-for-Sale Securities		   Unrealized Loss on Securities
Transferred to  Held-to-Maturity		   Total 
Beginning balance  $(4)  $(208)  $(212)
Other comprehensive income before reclassifications   63    113    176 
Ending balance  $59   $(95)  $(36)

 

   For the three months ended March 31, 2015 
(In thousands)  Unrealized Gains and Losses on
Available-for-Sale Securities		   Securities reclassified from AFS
to HTM		   Total 
Beginning balance  $129   $(355)  $(226)
Other comprehensive income before reclassifications   6    7    13 
Ending balance  $135   $(348)  $(213)

 

There were no amounts reclassified out of AOCI for the three months ended March 31, 2016 and 2015.

 

 - 20 - 

  

Item 2 - Management's Discussion and Analysis of Financial Condition and Results of Operations (Unaudited)

 

Overview

 

The following discussion reviews the Company's financial condition at March 31, 2016 and the results of operations for the three month periods ended March 31, 2016 and 2015. Operating results for the three months ended March 31, 2016 are not necessarily indicative of the results that may be expected for the year ending December 31, 2016.

 

The following material under the heading "Management's Discussion and Analysis of Financial Condition and Results of Operations" is written with the presumption that the users of the interim financial statements have read, or have access to, the Company's latest audited financial statements and notes thereto, together with Management's Discussion and Analysis of Financial Condition and Results of Operations as of December 31, 2015 and 2014 and for the two years then ended. Therefore, only material changes in financial condition and results of operations are discussed in the remainder of Part I.

 

Our business has traditionally focused on originating one- to four-family residential real estate mortgage loans and home equity lines of credit, and offering retail deposit accounts. Our primary market area consists of Monroe County and the surrounding western New York counties of Erie, Livingston, Ontario, Orleans, Jefferson and Wayne. In 2015, we began to expand our commercial lending activities in an effort to improve our interest rate risk exposure through the origination of shorter duration commercial loan products. Also in March 2015, we expanded our mortgage origination footprint, and opened a new mortgage loan origination office in Buffalo, New York. In the low interest rate environment which continued to be experienced throughout 2015 and into 2016, management continued to generally sell all of the fixed-rate residential real estate loans with terms of 15 years or greater that we originated in order to manage interest rate risk. The current low interest rate environment also resulted in management’s decision to decrease the amount of investment securities and to redeploy the funds available from the decrease in the investment portfolio into higher yielding assets, primarily shorter duration or adjustable rate one- to four-family mortgage loans in 2015 and continuing into 2016.

 

Our results of operations depend primarily on our net interest income and, to a lesser extent, other income. Net interest income is the difference between the interest income we earn on our interest-earning assets, consisting primarily of loans, investment securities and other interest-earning assets (primarily cash and cash equivalents), and the interest we pay on our interest-bearing liabilities, consisting primarily of savings accounts, NOW accounts, money market accounts, time deposits and borrowings. Other income consists primarily of realized gains on sales of loans and securities, mortgage fee income, fees and service charges from deposit products, fee income from our financial services subsidiary, earnings on bank owned life insurance and miscellaneous other income. Our results of operations also are affected by our provision for loan losses and other expense. Other expenses consist primarily of salaries and employee benefits, occupancy, equipment, electronic banking, data processing costs, mortgage fees and taxes, advertising, directors’ fees, FDIC deposit insurance premium expense, audit and tax services, and other miscellaneous expenses. Our results of operations also may be affected significantly by general and local economic and competitive conditions, changes in market interest rates, government policies and actions of regulatory authorities.

 

Statement Regarding Forward-Looking Statements

 

This report contains forward-looking statements that are based on assumptions and may describe future plans, strategies and expectations of the Company. These forward-looking statements are generally identified by use of the words "believe," "expect," "intend," "anticipate," "estimate," "project" or similar expressions. The Company's ability to predict results or the actual effect of future plans or strategies is inherently uncertain. Factors which could have a material adverse effect on the operations of the Company and its subsidiaries include, but are not limited to:

·Credit quality and the effect of credit quality on the adequacy of our allowance for loan losses;
·Deterioration in financial markets that may result in impairment charges relating to our securities portfolio;
·Competition in our primary market areas;
·Changes in interest rates and national or regional economic conditions;
·Changes in monetary and fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Federal Reserve Board;
·Significant government regulations, legislation and potential changes thereto;

 

 - 21 - 

 

·A reduction in our ability to generate or originate revenue-producing assets as a result of compliance with heightened capital standards;
·Increased cost of operations due to greater regulatory oversight, supervision and examination of banks and bank holding companies, and higher deposit insurance premiums;
·Limitations on our ability to expand consumer product and service offerings due to anticipated stricter consumer protection laws and regulations; and
·Other risks described herein and in the other reports and statements we file with the SEC.

 

Critical Accounting Policies

 

Critical accounting policies are defined as those that involve significant judgments and uncertainties, and could potentially result in materially different results under different assumptions and conditions. The most significant accounting policies followed by the Company are presented in the New Holding Company's Registration Statement on Form S-1 declared effective by the Securities and Exchange Commission on May 13, 2016. These policies, along with the disclosures presented in the other financial statement notes and in this discussion, provide information on how significant assets and liabilities are valued in the consolidated financial statements and how those values are determined. We believe that the most critical accounting policies upon which our financial condition and results of operations depend, involve the most complex subjective decisions or assessments including our policies with respect to our allowance for loan losses, deferred tax assets and the estimation of fair values for accounting and discourse purposes. These areas could be the most subject to revision as new information becomes available.

 

Allowance for Loan Losses. The allowance for loan losses is the amount estimated by management as necessary to absorb credit losses incurred in the loan portfolio that are both probable and reasonably estimable at the balance sheet date. The amount of the allowance is based on significant estimates, and the ultimate losses may vary from such estimates as more information becomes available or conditions change. The methodology for determining the allowance for loan losses is considered a critical accounting policy by management due to the high degree of judgment involved, the subjectivity of the assumptions used and the potential for changes in the economic environment that could result in changes to the amount of the recorded allowance for loan losses.

 

As a substantial percentage of our loan portfolio is collateralized by real estate, appraisals of the underlying value of property securing loans are critical in determining the amount of the allowance required for specific loans. Assumptions are instrumental in determining the value of properties. Overly optimistic assumptions or negative changes to assumptions could significantly affect the valuation of a property securing a loan and the related allowance determined. Management carefully reviews the assumptions supporting such appraisals to determine that the resulting values reasonably reflect amounts realizable on the related loans.

 

Management performs an evaluation of the adequacy of the allowance for loan losses at least quarterly. We consider a variety of factors in establishing this estimate including, but not limited to, current economic conditions, delinquency statistics, geographic concentrations, the adequacy of the underlying collateral, the financial strength of the borrower, results of internal loan reviews and other relevant factors. This evaluation is inherently subjective as it requires material estimates by management that may be susceptible to significant change based on changes in economic and real estate market conditions.

 

The evaluation has specific, general, and unallocated components. The specific component relates to loans that are deemed to be impaired and classified as special mention, substandard, doubtful, or loss. For such loans that are also classified as impaired, an allowance is generally established when the collateral value of the impaired loan is lower than the carrying value of that loan. The general component covers non-classified loans and is based on historical loss experience adjusted for qualitative factors. An unallocated component is maintained to cover uncertainties that could affect management’s estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating known and inherent losses in the portfolio.

 

Actual loan losses may be significantly more than the allowance we have established which could have a material negative effect on our financial results.

 

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Deferred Tax Assets. The deferred tax assets and liabilities represent the future tax return consequences of the temporary differences, which will either be taxable or deductible when the assets and liabilities are recovered or settled. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion of the deferred tax assets will not be realized. Deferred tax assets and liabilities are reflected at income tax rates applicable to the period in which the deferred tax assets and liabilities are expected to be realized or settled. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes.

 

Estimation of Fair Values. Fair values for securities available-for-sale are obtained from an independent third party pricing service. Where available, fair values are based on quoted prices on a nationally recognized securities exchange. If quoted prices are not available, fair values are measured using quoted market prices for similar benchmark securities. Management generally makes no adjustments to the fair value quotes provided by the pricing source. The fair values of foreclosed real estate and the underlying collateral value of impaired loans are typically determined based on evaluations by third parties, less estimated costs to sell. When necessary, appraisals are updated to reflect changes in market conditions.

 

Recent Events

 

On March 2, 2016, the Board of Directors of the Company, the MHC and the Bank announced the adoption of the Plan of Conversion.  Pursuant to the Plan of Conversion, the MHC will sell its majority ownership interest in the Company in a “second step” stock offering.  On May 13, 2016, the Securities and Exchange Commission declared the registration statement of the New Holding Company relating to the sale of its common stock effective. The New Holding Company is proposing to sell between 765,000 shares and 1,035,000 shares of common stock at $10.00 per share in the offering.  Concurrent with the completion of the offering, shares of common stock of the Company will be converted into the right to receive between 0.8041 of a share and 1.0879 shares of New Holding Company common stock for each share of the Company’s common stock that was owned immediately prior to completion of the conversion. Cash in lieu of fractional shares will be paid based on the offering price of $10.00 per share. Following completion of the conversion and offering, the Bank will be 100% owned by the New Holding Company and the New Holding Company will be 100% owned by public stockholders.

 

Comparison of Financial Condition at March 31, 2016 and at December 31, 2015

 

Total Assets. Total assets increased $2.0 million, or 0.8%, to $257.8 million at March 31, 2016 from $255.8 million at December 31, 2015, reflecting increases in cash and cash equivalents and net loans receivable, partially offset by decreases in securities held-to-maturity.

 

Net loans receivable increased $3.9 million, or 1.9%, to $205.7 million at March 31, 2016 from $201.8 million at December 31, 2015. In the first quarter of 2016, we continued to grow our commercial real estate and multi-family loan portfolios. Commercial real estate and multi-family loans increased $1.4 million, or 16.0%, to $10.1 million at March 31, 2016 from $8.7 million at December 31, 2015. One- to four-family residential real estate loans increased $1.6 million, or 0.9%, to $178.7 million at March 31, 2016 from $177.0 million at December 31, 2015. In the first quarter of 2016, we sold $11.4 million in conventional longer term mortgage loans and correspondent FHA and VA mortgages to reduce interest rate risk. Mortgage loans held for sale at both March 31, 2016 and December 31, 2015 were $3.9 million. Mortgage loans serviced for others increased by $5.1 million, or 5.9%, to $90.9 million at March 31, 2016 compared to $85.9 million at December 31, 2015 as a result of our increased secondary market sales. Mortgage servicing rights increased $37,000, or 6.6% to $598,000 at March 31, 2016 compared to $561,000 at December 31, 2015, and are included in other assets on the consolidated balance sheets. Home equity lines of credit increased $564,000, or 3.9%, to $15.1 million at March 31, 2016 from $14.5 million at December 31, 2015.

 

Cash and cash equivalents, primarily interest-earning deposits at the Federal Reserve Bank and the Federal Home Loan Bank, increased by $2.0 million, or 32.0%, to $8.1 million at March 31, 2016 from $6.1 million at December 31, 2015, in order to maintain a strong liquidity position in anticipation of funding loan commitments in the second quarter of 2016.

 

Securities available-for-sale decreased by $684,000, or 3.4%, to $19.3 million at March 31, 2016 from $20.0 million at December 31, 2015. The decrease was primarily due to maturities, calls, sales and principal repayments of $4.7 million, partially offset by purchases of $3.9 million in new securities, primarily U.S. Government and agency obligations, and an increase in the fair market value of available-for-sale securities of $96,000.

 

 - 23 - 

 

Securities held-to-maturity decreased $3.4 million, or 26.4%, to $9.6 million at March 31, 2016 from $13.0 million at December 31, 2015 due to calls and principal repayments of $3.5 million. We did not purchase any held-to maturity securities in the first quarter of 2016.

 

Deposits and Borrowings. Total deposits increased $2.0 million, or 1.1%, to $187.6 million at March 31, 2016 from $185.6 million at December 31, 2015. The increase in our deposits reflected a $3.0 million increase in interest-bearing transaction accounts, primarily NOW and money market accounts, partially offset by a $412,000 decrease in non-interest-bearing checking accounts and a decrease of $604,000 in certificates of deposit, including individual retirement accounts. Total borrowings from the Federal Home Loan Bank of New York increased $605,000, or 1.3%, to $46.7 million at March 31, 2016 from $46.1 million at December 31, 2015.

 

Stockholders’ Equity. Stockholders’ equity increased $263,000, or 1.2%, to $22.0 million at March 31, 2016 from $21.8 million at December 31, 2015. The increase resulted from the $77,000 in net income, an increase of $176,000 in accumulated other comprehensive income and an increase of $10,000 resulting from the release of ESOP shares from the suspense account.

 

Comparison of Operating Results for the Three Months Ended March 31, 2016 and 2015

 

General. Net income decreased $10,000, or 11.5%, to $77,000 for the quarter ended March 31, 2016 from $87,000 for the quarter ended March 31, 2015. The quarter over quarter decrease was attributable to an increase in other expense of $211,000, a $7,000 increase in the provision for loan losses and a decrease in net interest income of $7,000, partially offset by a $209,000 increase in other income and an increase in the benefit for income taxes of $6,000.

 

Interest and Dividend Income. Total interest and dividend income increased $75,000, or 3.4%, to $2.3 million for the quarter ended March 31, 2016 from $2.2 million for the quarter ended March 31, 2015. The increase resulted from a $10.5 million increase quarter over quarter in average interest-earning assets, primarily loans, partially offset by a four basis points decrease in the average yield earned on interest-earning assets from 3.75% for the three months ended March 31, 2015 to 3.71% for the three months ended March 31, 2016.

 

Interest income on loans increased $115,000, or 5.8%, to $2.1 million for the quarter ended March 31, 2016 from $2.0 million for the quarter ended March 31, 2015, reflecting a $15.8 million increase in the average balance of loans to $206.4 million for the three months ended March 31, 2016 from $190.6 million for the three months ended March 31, 2015, partially offset by a nine basis points decrease in the average yield earned on loans for the three months ended March 31, 2016 as compared to the same period in 2015. The increase in the average balance of loans was due to our focus on increasing our portfolio of one- to four-family adjustable-rate residential mortgages, commercial and multi-family real estate loans, home equity lines of credit, and to a lesser extent, one- to four-family fixed-rate mortgages during the three months ended March 31, 2016 as compared to the same period in 2015. The average yield on loans decreased to 4.04% for the three months ended March, 31, 2016 from 4.13% for the three months ended March 31, 2015, reflecting decreases in market interest rates on loan products, primarily residential mortgages.

 

Interest income on taxable investment securities decreased $30,000 to $98,000 for the three months ended March 31, 2016, from $128,000 for the three months ended March 31, 2015. The average balance of taxable investment securities decreased $4.3 million, or 23.4%, to $14.1 million for the three months ended March 31, 2016 from $18.4 million for the three months ended March 31, 2015 as a portion of the cash flow from the portfolio was redeployed to fund loan growth. The average yield on taxable securities remained unchanged during the quarter ended March 31, 2016 as compared to the quarter ended March 31, 2015. Interest income on mortgage-backed securities decreased $13,000 to $58,000 for the three months ended March 31, 2016, from $71,000 for the three months ended March 31, 2015, reflecting a decrease in the average yield on mortgage-backed securities of four basis points to 1.54% for the three months ended March 31, 2016 from 1.58% for the three months ended March 31, 2015, along with a decrease in the average balance of mortgage-backed securities of $3.0 million, or 16.4%, to $15.1 million for the three months ended March 31, 2016 from $18.1 million for the three months ended March 31, 2015. Mortgage-backed securities yields and balances decreased primarily due to faster prepayments of mortgage-backed securities during the three months ended March 31, 2016 as compared to the same period in 2015. Interest income on tax-exempt state and municipal securities was $23,000 for both quarters ended March 31, 2016 and 2015. The average balance of state and municipal securities decreased by $207,000, or 4.3%, from $4.9 million for the three months ended March 31, 2015 to $4.6 million for the three months ended March 31, 2016, while the average tax equivalent yield increased by 13 basis points to

 

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2.98% for the three months ended March 31, 2016 from 2.85% for the three months ended March 31, 2015, as lower yielding state and municipal securities matured and were replaced by higher yielding state and municipal securities.

 

Total Interest Expense. Total interest expense increased $82,000, or 17.7%, to $546,000 for the quarter ended March 31, 2016 from $464,000 for the quarter ended March 31, 2015. The increase in total interest expense reflected an increase in the average balance of deposits of $11.1 million, partially offset by a decrease in the average balance of borrowings of $1.9 million. The increase also reflected an increase in the average cost of interest-bearing liabilities of 11 basis points from 0.86% for the three months ended March 31, 2015 to 0.97% for the three months ended March 31, 2016 largely as a result of higher market interest rates paid on deposits, primarily promotional certificates of deposit made during 2015.

 

Interest expense on deposits increased $83,000, or 29.7%, to $362,000 for the three months ended March 31, 2016 from $279,000 for the three months ended March 31, 2015. The average cost of deposits increased to 0.82% for the three months ended March 31, 2016 from 0.67% for the three months ended March 31, 2015, primarily reflecting higher rates paid on promotional certificates of deposit during 2015. The average cost of certificates of deposit (including individual retirement accounts) increased by 21 basis points to 1.22% during the three months ended March 31, 2016 from 1.01% during the three months ended March 31, 2015. The average balance of certificates of deposit (including individual retirement accounts) increased by $9.6 million to $101.1 million for the three months ended March 31, 2016 from $91.5 million for the three months ended March 31, 2015. The average balance of transaction accounts, traditionally our lower cost deposit accounts, increased by $2.4 million to $83.3 million for the three months ended March 31, 2016 from $80.9 million for the three months ended March 31, 2015, along with a slight increase in the average cost of transaction accounts of one basis point to 0.25% for the three months ended March 31, 2016 from 0.24% for the three months ended March 31, 2015.

 

At March 31, 2016, we had $49.4 million of certificates of deposit, including individual retirement accounts, scheduled to mature throughout the remainder of 2016. Based on current market interest rates, we expect that the cost of these deposits upon renewal will be at a similar cost to us as their current contractual rates.

 

Interest expense on borrowings decreased $1,000 from $185,000 for the quarter ended March 31, 2015 to $184,000 for the quarter ended March 31, 2016, due to a $1.9 million decrease in our average balance of borrowings with the Federal Home Loan Bank from $48.5 million for the three months ended March 31, 2015 compared to $46.6 million for the three months ended March 31, 2016, partially offset by an increase in the average cost of these funds from 1.52% for the three months ended March 31, 2015 to 1.58% for the three months ended March 31, 2016.

 

Net Interest Income. Net interest income decreased $7,000, or 0.4%, to $1.7 million for the quarter ended March 31, 2016. Our net interest spread decreased 15 basis points to 2.74% for the quarter ended March 31, 2016 from 2.89% for the quarter ended March 31, 2015, due to an eleven basis points increase in the average cost of interest-bearing liabilities to 0.97% for the three months ended March 31, 2016 from 0.86% for the three months ended March 31, 2015 in addition to a decrease in the average yield on our interest-earning assets of four basis points from 3.75% for the three months ended March 31, 2015 to 3.71% for the three months ended March 31, 2016. Our net interest margin decreased 14 basis points from 2.96% during the three months ended March 31, 2015 to 2.82% during the three months ended March 31, 2016.

 

Provision for Loan Losses. We establish provisions for loan losses which are charged to operations in order to maintain the allowance for loan losses at a level we consider necessary to absorb credit losses inherent in the loan portfolio that are both probable and reasonably estimable at the balance sheet date. In determining the level of the allowance for loan losses, we consider past and current loss experience, evaluations of real estate collateral, current economic conditions, volume and type of lending, adverse situations that may affect a borrower’s ability to repay a loan, and the levels of non-performing and other classified loans. The amount of the allowance is based on estimates and the ultimate losses may vary from such estimates as more information becomes available or conditions change. We assess the allowance for loan losses on at least a quarterly basis and make provisions for loan losses in order to maintain the allowance.

 

Based on our evaluation of the above factors, we recorded a $45,000 provision for loan losses for the quarter ended March 31, 2016, compared to a $38,000 provision for loan losses recorded for the quarter ended March 31, 2015. The increase in the three months ended March 31, 2016 was the result of additional general provisions deemed necessary to support an increased balance of loans receivable, primarily commercial real estate, and to a lesser extent, one- to four-family residential real estate, as well as a potentially weaker economy. The allowance for loan losses was $855,000, or 0.41% of net loans outstanding, at March 31, 2016 compared to $691,000, or 0.36% of net loans outstanding, at March 31, 2015.

 

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Other Income. Other income increased by $209,000, or 45.2%, to $671,000 for the three months ended March 31, 2016 compared to $462,000 for the three months ended March 31, 2015. The increase in other income resulted primarily from increases in realized gains on sales of loans, mortgage fee income and fee income, partially offset by a modest decrease in deposit service fees. A substantial portion of the increase in other income was the result of gains on sales of loans which increased $129,000, or 58.9%, to $348,000 for the three months ended March 31, 2016 from $219,000 for the three months ended March 31, 2015. Mortgage fee income increased $69,000, or 68.8%, to $170,000 for the three months ended March 31, 2016 from $101,000 for the three months ended March 31, 2015. Higher mortgage loan origination volume, including loans originated for sale, in the three months ended March 31, 2016 compared to the same period in 2015 produced an increase in both mortgage fee income and realized gain on sales of loans. Fee income from Fairport Wealth Management increased by $18,000, or 37.5%, to $66,000 for the three months ended March 31, 2016 compared to $48,000 for the three months ended March 31, 2015 due to increased sales. Deposit service fees decreased $7,000 during the three months ended March 31, 2016 as compared to the three months ended March 31, 2015.

 

Other Expense. Other expense increased $211,000, or 10.2%, to $2.3 million for the three months ended March 31, 2016 from $2.1 million for the three months ended March 31, 2015. The increase was the result of increases in salaries and employee benefits expense of $91,000, audit and tax services of $31,000, mortgage fees and taxes of $23,000, directors’ fees of $18,000, data processing costs of $15,000 and equipment expense of $15,000, partially offset by a decrease in advertising expense of $8,000. The increase in salaries and employee benefits expense was primarily due to normal annual increases for existing staff and the increased salary costs associated with additional processing and mortgage origination staff for our new mortgage loan origination office located in Buffalo, New York. Audit and tax services increased due to outsourcing internal audit in the first quarter of 2016. Mortgage fees and taxes increased due to the additional volume of mortgage originations for the three months ended March 31, 2016 as compared to the three months ended March 31, 2015. Director fees increased due to the addition of three new directors at the end of 2015. The increase in data processing expenses was due to increased electronic banking costs quarter over quarter. Equipment expense increased due to additional furniture and fixtures and computer costs associated with the new Buffalo loan origination office. Advertising expense decreased as a result of less advertising in the first quarter of 2016 as compared to the first quarter of 2015.

 

Benefit for Income Taxes. The benefit for income taxes was $8,000 for the quarter ended March 31, 2016, an increase of $6,000 compared to a benefit for income taxes of $2,000 for the quarter ended March 31, 2015. The income tax benefit increased $6,000 in the three months ended March 31, 2016 as compared to the same period in 2015 due to less income before income taxes, the impact of interest and dividends from tax-exempt securities as well as a partial reversal of a component of the deferred tax asset valuation allowance.

 

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Average balances and yields. The following table sets forth average balance sheets, average yields and costs and certain other information at and for the periods indicated. All average balances are daily average balances. Non-accrual loans were included in the computation of average balances, but have been reflected in the table as loans carrying a zero yield. The yields set forth below include the effect of deferred fees, discounts and premiums that are accreted or amortized to interest income or interest expense.

 

   For the three months ended March 31, 
   2016   2015 
           Average           Average 
   Average       Yield /   Average       Yield / 
(Dollars in thousands)  Balance   Interest   Cost   Balance   Interest   Cost 
Interest-earning assets:                              
Loans  $ 206,400   $2,084    4.04%  $ 190,602   $1,969    4.13%
Federal funds sold   5,112    4    0.33    2,895    1    0.16 
Taxable investment securities   14,084    98    2.78    18,382    128    2.78 
Mortgage-backed securities   15,137    58    1.54    18,108    71    1.58 
State and municipal securities(1)   4,650    35    2.98    4,857    35    2.85 
Total interest-earning assets  $245,383   $2,279    3.71%  $234,844   $2,204    3.75%
Noninterest-earning assets:                              
Other assets  $9,563             $9,351           
Total assets  $254,946             $244,195           
Interest-bearing liabilities:                              
NOW accounts  $26,810   $13    0.19%  $25,109   $9    0.14%
Passbook savings   26,489    24    0.36    28,088    25    0.35 
Money market savings   23,096    16    0.28    21,727    16    0.29 
Individual retirement accounts   7,932    19    0.94    11,105    31    1.12 
Certificates of deposit   93,160    290    1.25    80,373    198    0.99 
Federal Home Loan Bank advances   46,610    184    1.58    48,534    185    1.52 
Total interest-bearing liabilities  $224,097   $546    0.97%  $214,936   $464    0.86%
Noninterest-bearing liabilities:                              
Demand deposits  $6,931             $6,023           
Other liabilities   2,010              1,929           
Total liabilities  $233,038             $222,888           
Stockholders' equity  $21,908             $21,307           
Total liabilities & stockholders' equity  $254,946             $244,195           
Net interest income       $1,733             $1,740      
Interest rate spread(2)             2.74%             2.89%
Net interest-earning assets(3)  $21,286             $19,908           
Net interest margin(4)        2.82%             2.96%     
Ratio of average interest-earning assets to average interest-bearing liabilities   110%             109%          

 

(1)Tax-exempt interest income is presented on a tax equivalent basis using a 34% federal tax rate. The unadjusted average yield on tax-exempt securities was 1.97% and 1.88% for the quarters ended March 31, 2016, and 2015, respectively.
(2)Interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities.
(3)Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.
(4)Net interest margin represents net interest income divided by total interest-earning assets.

 

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Rate/Volume Analysis

 

The following table presents the effects of changing rates and volumes on our net interest income for the periods indicated. The rate column shows the effects attributable to changes in rate (changes in rate multiplied by prior volume). The volume column shows the effects attributable to changes in volume (changes in volume multiplied by prior rate). The net column represents the sum of the prior columns. For purposes of this table, changes attributable to both rate and volume, which cannot be segregated, have been allocated proportionately, based on the changes due to rate and the changes due to volume.

 

   Three months ended March  31, 
   2016 vs. 2015 
   Increase/(Decrease) Due to 
           Total 
           Increase 
(In thousands)  Volume   Rate   (Decrease) 
Interest and dividend income:               
Loans  $156   $(41)  $115 
Federal funds sold   3    -    3 
Taxable investment securities   (30)   -    (30)
Mortgage-backed securities   (11)   (2)   (13)
State and municipal securities   -    -    - 
Total interest and dividend income   118    (43)   75 
Interest expense:               
NOW accounts   1    3    4 
Passbook savings   1    (2)   (1)
Money market savings   -    -    - 
Individual retirement accounts   (8)   (4)   (12)
Certificates of deposit   35    57    92 
Federal home loan bank advances   (1)   -    (1)
Total interest expense   28    54    82 
Net change in net interest income  $90   $(97)  $(7)

 

Loan and Asset Quality and Allowance for Loan Losses

 

The following table represents information concerning the aggregate amount of nonperforming assets at the indicated dates:

 

   March 31,   December 31,   March 31, 
(Dollars In thousands)  2016   2015   2015 
Nonaccrual loans:               
Residential mortgage loans  $118   $63   $56 
Home equity lines of credit   18    18    18 
Other loans   -    1    - 
Total nonaccrual loans   136    82    74 
Total nonperforming loans   136    82    74 
Total nonperforming assets  $136   $82   $74 
                
Nonperforming loans to total loans   0.06%   0.04%   0.04%
Nonperforming assets to total assets   0.05%   0.03%   0.03%

 

Nonperforming assets include nonaccrual loans and foreclosed real estate. The Company generally places a loan on nonaccrual status and ceases accruing interest when loan payment performance is deemed unsatisfactory and the loan

 

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is past due 90 days or more. There are no loans that are past due 90 days or more and still accruing interest. Loans are considered modified in a TDR when, due to a borrower’s financial difficulties, the Company makes a concession(s) to the borrower that it would not otherwise consider. These modifications may include, among others, an extension of the term of the loan, and granting a period when interest-only payments can be made, with the principal payments made over the remaining term of the loan or at maturity. TDRs are included in the above table within the following categories of nonaccrual loans or TDRs not included above (the latter also known as accruing TDRs).

 

As indicated in the table above, nonperforming assets at March 31, 2016 were $136,000, an increase of $54,000 from the $82,000 balance reported at December 31, 2015. At March 31, 2016, the Company had one non-performing residential mortgage loan for $89,000, one non-performing home equity line of credit for $18,000, and one non-performing home equity loan for $29,000 and at December 31, 2015, the Company had one non-performing residential mortgage loan for $63,000, one non-performing home equity line of credit for $18,000, and one non-performing checking line of credit for $1,000.

 

The allowance for loan losses represents management’s estimate of the probable losses inherent in the loan portfolio as of the date of the statement of condition. The allowance for loan losses was $855,000 and $811,000 at March 31, 2016 and December 31, 2015, respectively. The Company reported an increase in the ratio of the allowance for loan losses to gross loans to 0.41% at March 31, 2016 as compared to 0.40% at December 31, 2015. Management performs a quarterly evaluation of the allowance for loan losses based on quantitative and qualitative factors and has determined that the current level of the allowance for loan losses is adequate to absorb the losses in the loan portfolio as of March 31, 2016.

 

A loan is considered impaired when, based on current information and events, it is probable that the Bank will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis by either the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the collateral if the loan is collateral dependent.

 

Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and residential loans for impairment disclosures unless subject to a troubled debt restructuring.

 

At March 31, 2016 and December 31, 2015, the Company did not have loans which were deemed to be impaired.

 

Management has identified potential credit problems which may result in the borrowers not being able to comply with the current loan repayment terms and which may result in it being included in future impaired loan reporting. Management has identified potential problem loans totaling $1.6 million as of March 31, 2016 as compared to $1.5 million at December 31, 2015. These loans have been internally classified as special mention, substandard, or doubtful, yet are not currently considered impaired. Total potential problem loans increased between these two dates, as the Company reported an increase of $107,000 in loans rated substandard. The increase in loans classified as substandard was due to one residential mortgage loan which was newly categorized as such during the quarter ended March 31, 2016. This loan was not rated as of December 31, 2015. Based on current information available at March 31, 2016, these loans were re-evaluated for their range of potential losses and reclassified accordingly.

 

Appraisals are obtained at the time a real estate secured loan is originated. Fairport Savings Bank will ensure that appraisals or evaluations for commercial real estate transactions are subject to an appropriate level of review. Transactions involving complex properties or high-risk commercial loans should be reviewed more comprehensively to assess the technical quality of the appraiser’s analysis. Persons performing such reviews should have the appropriate expertise and

 

 - 29 - 

 

knowledge relative to the type of property and its market. In the normal course of business, Fairport Savings Bank has infrequently sold residential mortgage loans and participation interests in commercial loans. As is typical in the industry, Fairport Savings Bank makes certain representations and warranties to the buyer. Fairport Savings Bank maintains a quality control program for closed loans and considers the risks and uncertainties associated with potential repurchase requirements to be minimal.

 

Liquidity and Capital Resources

 

Liquidity is the ability to meet current and future financial obligations of a short-term nature. Our cash flows are derived from operating activities, investing activities and financing activities as reported in our consolidated statements of cash flows included in our consolidated financial statements.

 

Our primary sources of funds consist of deposit inflows, loan repayments, borrowings from the Federal Home Loan Bank of New York, maturities and principal repayments of securities, and loan and securities sales. While maturities and scheduled amortization of loans and securities are predictable sources of funds, deposit flows and mortgage prepayments are greatly influenced by general interest rates, economic conditions and competition. Our asset/liability management committee is responsible for establishing and monitoring our liquidity targets and strategies in order to ensure that sufficient liquidity exists for meeting the borrowing needs and deposit withdrawals of our customers as well as unanticipated contingencies. We seek to maintain a liquidity ratio of 20.0% or greater. For the quarter ended March 31, 2016, our liquidity ratio averaged 35.1%. We believe that we have enough sources of liquidity to satisfy our short and long-term liquidity needs as of March 31, 2016.

 

We regularly adjust our investments in liquid assets based upon our assessment of:

 

(i)expected loan demand;

 

(ii)expected deposit flows;

 

(iii)yields available on interest-earning deposits and securities; and

 

(iv)the objectives of our asset/liability management program.

 

Excess liquid assets are invested generally in interest-earning deposits, short and intermediate-term securities and federal funds sold. Our most liquid assets are cash and cash equivalents. The levels of these assets are dependent on our operating, financing, lending and investing activities during any given period. At March 31, 2016, cash and cash equivalents totaled $8.1 million.

 

At March 31, 2016, we had $12.8 million in loan commitments outstanding. In addition to commitments to originate loans, we had $15.3 million in unused lines of credit outstanding to borrowers. Certificates of deposit (including individual retirement accounts comprised solely of certificates of deposits), due within one year of March 31, 2016 totaled $62.4 million, or 61.9% of our certificates of deposit (including individual retirement accounts) and 33.3% of total deposits. If these deposits do not remain with us, we will be required to seek other sources of funds, including loan sales, other deposit products, and Federal Home Loan Bank borrowings. Depending on market conditions, we may be required to pay higher rates on such deposits or other borrowings than we currently pay on the existing certificates of deposit due on or before March 31, 2017. We believe, however, based on past experience that a significant portion of such deposits will remain with us. We have the ability to attract and retain deposits by adjusting the interest rates offered.

 

Liquidity management is both a daily and long-term function of business management. If we require funds beyond our ability to generate them internally, borrowing agreements exist with the Federal Home Loan Bank of New York, which provides an additional source of funds. Federal Home Loan Bank borrowings increased by $605,000, to $46.7 million at March 31, 2016, from $46.1 million at December 31, 2015. At March 31, 2016, we had the ability to borrow approximately $147.2 million from the Federal Home Loan Bank of New York, of which $46.7 million had been advanced.

 

 - 30 - 

 

We also have a repurchase agreement with Raymond James Financial providing an additional $10.0 million in liquidity.  Funds obtained under the repurchase agreement are secured by our U.S Government and agency obligations.  There were no advances outstanding under the repurchase agreement at March 31, 2016 or December 31, 2015.

 

Capital

 

Fairport Savings Bank is subject to various regulatory capital requirements, including a risk-based capital measure. The risk-based capital guidelines include both a definition of capital and a framework for calculating risk-weighted assets by assigning balance sheet assets and off-balance sheet items to broad risk categories. At March 31, 2016, Fairport Savings Bank exceeded all regulatory capital requirements and was considered “well capitalized” under regulatory guidelines.

 

FSB’s capital amounts and ratios as of the indicated dates are presented in the following table.

 

                   Minimum 
                   To Be "Well- 
           Minimum   Capitalized" 
           For Capital   Under Prompt 
   Actual   Adequacy Purposes   Corrective Provisions 
(Dollars in thousands)  Amount   Ratio   Amount   Ratio   Amount   Ratio 
As of March 31, 2016                              
Total Core Capital (to Risk-Weighted Assets)  $20,873    14.79%  $³11,293    ³8.0%  $³14,116    ³10.0%
Tier 1 Capital (to Risk-Weighted Assets)   20,018    14.18    ³8,470    ³6.0    ³11,293    ³8.0 
Tier 1 Common Equity (to Risk-Weighted Assets)   20,018    14.18    ³6,352    ³4.5    ³9,175    ³6.5 
Tier 1 Capital (to Assets)   20,018    7.82    ³10,245    ³4.0    ³12,807    ³5.0 
As of December 31, 2015:                              
Total Core Capital (to Risk-Weighted Assets)  $20,757    15.12%  $³10,980    ³8.0%  $³13,725    ³10.0%
Tier 1 Capital (to Risk-Weighted Assets)   19,946    14.53    ³8,235    ³6.0    ³10,980    ³8.0 
Tier 1 Common Equity (to Risk-Weighted Assets)   19,946    14.53    ³6,176    ³4.5    ³8,921    ³6.5 
Tier 1 Capital (to Assets)   19,946    7.85    ³10,167    ³4.0    ³12,709    ³5.0 

 

Off-Balance Sheet Arrangements

 

In the ordinary course of business, Fairport Savings Bank is a party to credit-related financial instruments with off-balance sheet risk to meet the financing needs of our customers. These financial instruments include commitments to extend credit. We follow the same credit policies in making commitments as we do for on-balance sheet instruments.

 

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. The commitments for equity lines of credit may expire without being drawn upon. Therefore, the total commitment amounts do not necessarily represent future cash requirements. The amount of collateral obtained, if it is deemed necessary by us, is based on our credit evaluation of the customer.

 

At March 31, 2016 and December 31, 2015, we had $12.8 million and $11.8 million, respectively, of commitments to grant loans, and $15.3 million and $15.8 million, respectively, of unfunded commitments under lines of credit. We had two commercial letters of credit for $549,000 at March 31, 2016 and one commercial letter of credit for $299,000 at December 31, 2015.

 

Impact of Inflation and Changing Prices

 

Our consolidated financial statements and related notes have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”). GAAP generally requires the measurement of financial position and operating results in terms of historical dollars without consideration for changes in the relative purchasing power of money over time due to inflation. The impact of inflation is reflected in the increased cost of our operations. Unlike

 

 - 31 - 

 

industrial companies, our assets and liabilities are primarily monetary in nature. As a result, changes in market interest rates have a greater impact on performance than the effects of inflation.

 

Item 3 – Quantitative and Qualitative Disclosures About Market Risk

 

A smaller reporting company is not required to provide the information relating to this item.

 

Item 4 – Controls and Procedures

 

Under the supervision and with the participation of the Company’s management, including our Chief Executive Officer and Chief Financial Officer, the Company has evaluated the effectiveness of the design and operation of its disclosure controls and procedures (as defined in Rule 13a-15(e) and 15d-15(e) under the Exchange Act) as of the end of the period covered by this quarterly report. Based upon that evaluation, the Chief Executive Officer and Chief Financial Officer concluded that, as of the end of the period covered by this report, the Company’s disclosure controls and procedures are effective to ensure that information required to be disclosed in the reports that the Company files or submits under the Securities Exchange Act of 1934 is recorded, processed, summarized and reported, within the time periods specified in the Securities and Exchange Commission’s rules and forms.

 

There has been no change in the Company’s internal control over financial reporting during the most recent fiscal quarter that has materially affected, or is reasonable likely to materially affect, the Company’s internal control over financial reporting.

 

 - 32 - 

 

PART II – OTHER INFORMATION

 

Item 1 – Legal Proceedings

 

As of March 31, 2016, the Company is not currently a named party in a legal proceeding, the outcome of which would have a material effect on the financial condition or results of operations of the Company.

 

Item 1A – Risk Factors

 

A smaller reporting company is not required to provide the information relating to this item.

 

Item 2 – Unregistered Sales of Equity Securities and Use of Proceeds

 

None

 

Item 3 – Defaults Upon Senior Securities

 

None

 

Item 4 – Mine Safety Disclosures

 

Not applicable

 

Item 5 – Other Information

 

None

 

Item 6 – Exhibits

 

Exhibit No.   Description
     
31.1   Rule 13a-14(a) / 15d-14(a) Certification of the Chief Executive Officer
31.2   Rule 13a-14(a) / 15d-14(a) Certification of the Chief Financial Officer
32   Section 1350 Certification of the Chief Executive Officer and Chief Financial Officer
101   The following materials from FSB Bancorp, Inc. Form 10-Q for the quarter ended March 31, 2016, formatted in Extensible Business Reporting Language (XBRL): (i) the Consolidated Statements of Income, (ii) the Consolidated Statements of Financial Condition, (iii) Consolidated Statements of Cash Flows, and (iv) related notes

 

 - 33 - 

 

SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

 

   FSB BANCORP, INC.  
  (registrant)  
     
June 24, 2016 /s/ Dana C. Gavenda  
  Dana C. Gavenda
  President and Chief Executive Officer
     
June 24, 2016 /s/ Kevin D. Maroney  
  Kevin D. Maroney
  Chief Financial Officer and Chief Operating Officer

 

 - 34 - 
 EX-31.1 2 t1601579_ex31-1.htm EXHIBIT 31.1

 

EXHIBIT 31.1: Rule 13a-14(a) / 15d-14(a) Certification of the Chief Executive Officer

 

Certification of Chief Executive Officer

 

Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

 

I, Dana C. Gavenda, certify that:

 

1.I have reviewed this Quarterly Report on Form 10-Q of FSB Bancorp, Inc.;

 

2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4.The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant and have:

 

(a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
(b)Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
(c)Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and

 

5.The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors:

 

(a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and
(b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.

 

June 24, 2016 /s/ Dana C. Gavenda  
  Dana C. Gavenda
  President and Chief Executive Officer

 

 

 EX-31.2 3 t1601579_ex31-2.htm EXHIBIT 31.2

 

EXHIBIT 31.2: Rule 13a-14(a) / 15d-14(a) Certification of the Chief Financial Officer

 

Certification of Chief Financial Officer

 

Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

 

I, Kevin D. Maroney, certify that:

 

1.I have reviewed this Quarterly Report on Form 10-Q of FSB Bancorp, Inc.;

 

2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4.The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant and have:

 

(a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
(b)Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
(c)Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and

 

5.The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors:

 

(a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and
(b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.

 

June 24, 2016 /s/ Kevin D. Maroney  
  Kevin D. Maroney
  Chief Financial Officer and Chief Operating Officer

 

 

 EX-32 4 t1601579_ex32.htm EXHIBIT 32

 

EXHIBIT 32 Section 1350 Certification of the Chief Executive Officer and Chief Financial Officer

 

Certification pursuant to 18 U.S.C. §1350, as adopted pursuant to §906 of the Sarbanes-Oxley Act of 2002

 

In connection with the Quarterly Report of FSB Bancorp, Inc. (the “Company”) on Form 10-Q for the period ended March 31, 2016 as filed with the Securities and Exchange Commission (the “Report”), the undersigned hereby certify, pursuant to 18 U.S.C. §1350, as adopted pursuant to §906 of the Sarbanes-Oxley Act of 2002, that:

 

1.The Report fully complies with the requirements of Sections 13(a) or 15(d) of the Securities Exchange Act of 1934; and

 

2.The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company as of and for the period covered by the Report..

 

The purpose of this statement is solely to comply with Title 18, Chapter 63, Section 1350 of the United States Code, as amended by Section 906 of the Sarbanes-Oxley Act of 2002.

 

June 24, 2016 /s/ Dana C. Gavenda  
  Dana C. Gavenda
  President and Chief Executive Officer
     
June 24, 2016 /s/ Kevin D. Maroney  
  Kevin D. Maroney
  Chief Financial Officer and Chief Operating Officer

 

 

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color: #000000; word-spacing: 0px; font-stretch: normal; -webkit-text-stroke-width: 0px;">Basis of Presentation</p> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; font-stretch: normal; -webkit-text-stroke-width: 0px;">&#160;</p> <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; font-stretch: normal; -webkit-text-stroke-width: 0px;">The accompanying unaudited consolidated financial statements of FSB Community Bankshares, Inc., (the &#8220;Company&#8221;), Fairport Savings Bank (the &#8220;Bank&#8221;) and its other wholly owned subsidiary, Fairport Wealth Management, have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information, the instructions for Form 10-Q and Article 8 of Regulation S-X. Accordingly, they do not include all of the information and footnotes necessary for a complete presentation of consolidated financial condition, results of operations and cash flows in conformity with generally accepted accounting principles. In the opinion of management, all adjustments, consisting of normal recurring accruals considered necessary for a fair presentation, have been included. 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Application of these principles requires management to make estimates, assumptions, and judgments that affect the amounts reported in the consolidated financial statements and accompanying notes. These estimates, assumptions, and judgments are based on information available as of the date of the financial statements; accordingly, as this information changes, the financial statements could reflect different estimates, assumptions, and judgments. Certain policies inherently have a greater reliance on the use of estimates, assumptions, and judgments and as such have a greater possibility of producing results that could be materially different than originally reported. Estimates, assumptions, and judgments are necessary when assets and liabilities are required to be recorded at fair value or when an asset or liability needs to be recorded contingent upon a future event. Carrying assets and liabilities at fair value inherently results in more financial statement volatility. The fair values and information used to record valuation adjustments for certain assets and liabilities are based on quoted market prices or are provided by other third-party sources, when available. 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Document and Entity Information - shares
 3 Months Ended
Mar. 31, 2016
Jun. 24, 2016
Document and Entity Information [Abstract]    
Entity Registrant Name FSB Bancorp, Inc.  
Entity Central Index Key 0001667939  
Trading Symbol fsbc  
Current Fiscal Year End Date --12-31  
Entity Filer Category Smaller Reporting Company  
Entity Common Stock, Shares Outstanding   100
Document Type 10-Q  
Document Period End Date Mar. 31, 2016  
Amendment Flag false  
Document Fiscal Year Focus 2016  
Document Fiscal Period Focus Q1  
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Consolidated Balance Sheets - USD ($)
$ in Thousands
Mar. 31, 2016
Dec. 31, 2015
ASSETS:    
Cash and due from banks $ 1,623 $ 1,550
Interest earning demand deposits 6,489 4,597
Total cash and cash equivalents 8,112 6,147
Available-for-sale securities, at fair value 19,284 19,968
Held-to-maturity securities, at amortized cost (fair value of $9,804 and $13,222, respectively) 9,556 12,979
Investment in Federal Home Loan Bank stock, at cost 2,415 2,388
Loans held for sale 3,907 3,880
Loans 206,563 202,641
Less: Allowance for loan losses (855) (811)
Loans receivable, net 205,708 201,830
Bank owned life insurance 3,646 3,629
Accrued interest receivable 643 655
Premises and equipment, net 2,965 2,744
Other assets 1,546 1,587
Total assets 257,782 255,807
Deposits:    
Non-interest bearing 6,563 6,974
Interest bearing 181,026 178,587
Total deposits 187,589 185,561
Long-term borrowings 46,697 46,092
Official bank checks 157 1,114
Other liabilities 1,316 1,280
Total liabilities $ 235,759 $ 234,047
Stockholders' equity:    
Preferred stock - no par value; 1,000,000 shares authorized, no shares issued and outstanding
Common stock, par value $0.10; 10,000,000 authorized shares; 1,785,000 issued; 1,779,472 shares outstanding $ 179 $ 179
Paid-in capital 7,240 7,239
Retained earnings 15,062 14,985
Accumulated other comprehensive loss (36) (212)
Treasury stock at cost, 5,528 shares (46) (46)
Unearned ESOP shares at cost (376) (385)
Total stockholders' equity 22,023 21,760
Total liabilities and stockholders' equity $ 257,782 $ 255,807
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Consolidated Balance Sheets (Parenthenticals) - USD ($)
$ in Thousands
Mar. 31, 2016
Dec. 31, 2015
Statement Of Financial Position [Abstract]    
Fair value securities held to maturity (in dollars) $ 9,804 $ 13,222
Preferred stock - no par value (in dollars per share) $ 0 $ 0
Preferred stock, shares authorized 1,000,000 1,000,000
Preferred stock, shares issued 0 0
Preferred stock, shares outstanding 0 0
Common stock - par value (in dollars per share) $ 0.10 $ 0.10
Common stock, shares authorized 10,000,000 10,000,000
Common stock, shares issued 1,785,000 1,785,000
Common stock, shares outstanding 1,779,472 1,779,472
Treasury stock, shares 5,528 5,528
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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Interest and dividend income:    
Loans, including fees $ 2,084 $ 1,969
Securities:    
Taxable 98 128
Tax-exempt 23 23
Mortgage-backed securities 58 71
Other 4 1
Total interest and dividend income 2,267 2,192
Interest expense:    
Interest on deposits 362 279
Interest on short-term borrowings   1
Interest on long-term borrowings 184 184
Total interest expense 546 464
Net interest income 1,721 1,728
Provision for loan losses 45 38
Net interest income after provision for loan losses 1,676 1,690
Other income:    
Service fees 33 41
Fee income 66 48
Increase in cash surrender value of bank owned life insurance 17 18
Realized gain on sale of loans 348 219
Mortgage fee income 170 101
Other 37 35
Total other income 671 462
Other expense:    
Salaries and employee benefits 1,356 1,265
Occupancy 254 245
Data processing costs 50 35
Advertising 30 38
Equipment 152 137
Electronic banking 26 20
Directors' fees 66 48
Mortgage fees and taxes 91 68
FDIC premium expense 42 38
Audits and tax services 34 3
Other 177 170
Total other expenses 2,278 2,067
Income before income taxes 69 85
Benefit for income taxes (8) (2)
Net income $ 77 $ 87
Earnings per common share - basic (in dollars per share) $ 0.04 $ 0.05
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Consolidated Statements of Comprehensive Income (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Statement Of Income and Comprehensive Income [Abstract]    
Net Income $ 77 $ 87
Unrealized holding gains on available for sale securities    
Unrealized holding gains arising during the period 96 10
Net unrealized gain on available for sale securities 96 10
Accretion of net unrealized loss on securities transferred to held-to-maturity [1] 113 7
Other comprehensive income, before tax 209 17
Tax effect 33 4
Other comprehensive income, net of tax 176 13
Comprehensive income 253 100
Tax Effect Allocated to Each Component of Other Comprehensive Income    
Unrealized holding (losses) gains arising during the period (33) (3)
Accretion of net unrealized loss on securities transferred to held-to-maturity 66 7
Income tax effect related to other comprehensive income $ 33 $ 4
[1] The accretion of the unrealized holding losses in accumulated other comprehensive income at the date of transfer partially offsets the amortization of the difference between the par value and the fair value of the investment securities at the date of transfer, and is an adjustment of yield.
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Consolidated Statements of Stockholders' Equity (Unaudited) - USD ($)
$ in Thousands
Common Stock
Paid in Capital
Retained Earnings
Accumulated Other Comprehensive Income
Treasury stock
Unearned ESOP
Total
Balance at Dec. 31, 2014 $ 179 $ 7,239 $ 14,472 $ (226) $ (40) $ (420) $ 21,204
Comprehensive loss:              
Net income     $ 87       87
Other comprehensive loss, net of tax       $ 13     $ 13
Effect of the employee stock ownership plan, net
ESOP shares committed to be released           $ 9 $ 9
Balance at Mar. 31, 2015 $ 179 $ 7,239 $ 14,559 $ (213) $ (40) (411) 21,313
Balance at Dec. 31, 2015 $ 179 $ 7,239 14,985 (212) $ (46) $ (385) 21,760
Comprehensive loss:              
Net income     $ 77       77
Other comprehensive loss, net of tax       $ 176     $ 176
Effect of the employee stock ownership plan, net
ESOP shares committed to be released   $ 1       $ 9 $ 10
Balance at Mar. 31, 2016 $ 179 $ 7,240 $ 15,062 $ (36) $ (46) $ (376) $ 22,023
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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2016
Mar. 31, 2015
OPERATING ACTIVITIES    
Net income $ 77 $ 87
Adjustments to reconcile net income to net cash flows from operating activities:    
Net amortization of premiums and accretion of discounts on investments 140 43
Gain on sale of loans (348) (219)
Proceeds from loans sold 5,420 3,404
Loans originated for sale (5,099) (3,000)
Amortization of net deferred loan origination costs 133 125
Depreciation and amortization 113 106
Provision for loan losses 45 38
Expense related to ESOP 10 9
Deferred income tax benefit (68) (48)
Earnings on investment in bank owned life insurance (17) (18)
Decrease in accrued interest receivable 12 38
Decrease (increase) in other assets 41 (313)
Increase in other liabilities 71 2
Net cash flows from operating activities 530 254
INVESTING ACTIVITIES    
Purchases of securities available-for-sale (3,910)  
Proceeds from maturities and calls of securities available-for-sale 3,833 1,000
Proceeds from principal paydowns on securities available-for-sale 831 938
Proceeds from maturities and calls of securities held-to-maturity 3,391  
Proceeds from principal paydowns on securities held-to-maturity 31 89
Net increase in loans (4,056) (764)
Purchase of Federal Home Loan Bank stock, net (27) (16)
Purchase of premises and equipment (334) (153)
Net cash flows from investing activities (241) 1,094
FINANCING ACTIVITIES    
Net increase in deposits 2,028 1,022
Proceeds from borrowings 3,500 2,500
Repayments on borrowings (2,895) (2,153)
Net decrease in official bank checks (957) (204)
Net cash flows from financing activities 1,676 1,165
Change in cash and cash equivalents 1,965 2,513
Cash and cash equivalents at beginning of period 6,147 4,335
Cash and cash equivalents at end of period 8,112 6,848
CASH PAID DURING THE PERIOD FOR:    
Interest 546 $ 464
Income taxes $ 17  
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Basis of Presentation
 3 Months Ended
Mar. 31, 2016
Basis Of Accounting [Abstract]  
Basis of Presentation

Note 1:   Basis of Presentation

 

The accompanying unaudited consolidated financial statements of FSB Community Bankshares, Inc., (the “Company”), Fairport Savings Bank (the “Bank”) and its other wholly owned subsidiary, Fairport Wealth Management, have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information, the instructions for Form 10-Q and Article 8 of Regulation S-X. Accordingly, they do not include all of the information and footnotes necessary for a complete presentation of consolidated financial condition, results of operations and cash flows in conformity with generally accepted accounting principles. In the opinion of management, all adjustments, consisting of normal recurring accruals considered necessary for a fair presentation, have been included. Operating results for the three months ended March 31, 2016 are not necessarily indicative of the results that may be expected for the year ending December 31, 2016 or any other interim period.

 

The Company's consolidated financial statements are prepared in accordance with accounting principles generally accepted in the United States and follow practices within the banking industry. Application of these principles requires management to make estimates, assumptions, and judgments that affect the amounts reported in the consolidated financial statements and accompanying notes. These estimates, assumptions, and judgments are based on information available as of the date of the financial statements; accordingly, as this information changes, the financial statements could reflect different estimates, assumptions, and judgments. Certain policies inherently have a greater reliance on the use of estimates, assumptions, and judgments and as such have a greater possibility of producing results that could be materially different than originally reported. Estimates, assumptions, and judgments are necessary when assets and liabilities are required to be recorded at fair value or when an asset or liability needs to be recorded contingent upon a future event. Carrying assets and liabilities at fair value inherently results in more financial statement volatility. The fair values and information used to record valuation adjustments for certain assets and liabilities are based on quoted market prices or are provided by other third-party sources, when available. When third party information is not available, valuation adjustments are estimated in good faith by management.

 

On March 2, 2016, the Board of Directors of the Company, FSB Community Bankshares, MHC (the “MHC”), and the Bank announced the adoption of a Plan of Conversion and Reorganization (“Plan of Conversion”).  Pursuant to the Plan of Conversion, the MHC will sell its majority ownership interest in the Company in a “second step” stock offering.  On May 13, 2016, the Securities and Exchange Commission declared the registration statement of FSB Bancorp, Inc., a Maryland corporation (the “New Holding Company”) relating to the sale of its common stock effective. The New Holding Company is proposing to sell between 765,000 shares and 1,035,000 shares of common stock at $10.00 per share in the offering.  Concurrent with the completion of the offering, shares of common stock of the Company will be converted into the right to receive between 0.8041 of a share and 1.0879 shares of New Holding Company common stock for each share of the Company’s common stock that was owned immediately prior to completion of the conversion. Cash in lieu of fractional shares will be paid based on the offering price of $10.00 per share. Following completion of the conversion and offering, the Bank will be 100% owned by the New Holding Company and the New Holding Company will be 100% owned by public stockholders.
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New Accounting Pronouncements
 3 Months Ended
Mar. 31, 2016
Accounting Policies [Abstract]  
New Accounting Pronouncements

Note 2:   New Accounting Pronouncements

 

The Financial Accounting Standards Board (FASB) has issued Accounting Standards Update (ASU) No. 2016-09, Compensation—Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting, which is part of the FASB Simplification Initiative to identify specific areas of U.S. generally accepted accounting principles (U.S. GAAP) for which cost and complexity can be reduced while maintaining or improving the usefulness of the information provided. The simplifications, which cover various matters, including the income tax consequences of share-based payment arrangements, classification in the statement of cash flows of employee taxes paid, and two practical expedients for non-public entities, amends various Topics and Subtopics in the FASB Accounting Standards Codification (the “Codification”).

 

Accounting for Income Taxes - Under current U.S. GAAP, if the deduction for a share-based payment award for income tax purposes exceeds the compensation cost for accounting purposes, then the additional tax benefit is recognized in additional paid-in capital and referred to as an excess tax benefit. Accumulated excess tax benefits are available to offset current and subsequent period tax deficiencies (i.e., when the deduction for tax purposes is less than the compensation cost for accounting purposes). If the accumulated amount is exhausted, then all subsequent tax deficiencies are recognized in the income statement. The foregoing income tax accounting requirements apply to share-based-payment transactions and to employee stock ownership plan transactions. As amended by ASU No. 2016-09, (1) all excess tax benefits and all tax deficiencies are to be recognized as income tax expense or benefit in the income statement, (2) such benefits and deficiencies are deemed to be discrete items in the reporting period in which they occur (i.e., they should not be considered in determining the annual estimated effective tax rate), and (3) because there is no longer any excess tax benefits recognized in additional paid-in capital, the assumed proceeds from applying the treasury stock method when computing earnings per share (EPS) will exclude the amount of excess tax benefits that would have been recognized in additional paid-in capital.

 

Classification of Excess Tax Benefits in the Cash Flow Statement - Under current U.S. GAAP, excess tax benefits are required to be separated from other income tax cash flows and classified as a financing activity in the cash flow statement. As amended by ASU No. 2016-09, the requirement to present excess tax benefits as cash inflows from financing activities and as cash outflows from operating activities has been eliminated, and, thus, amounts relating to excess tax benefits must be classified in the cash flow statement as an operating activity.

 

Forfeitures - Current U.S. GAAP requires compensation cost to be recognized for awards in which the requisite service period is rendered (i.e., for awards with performance or service conditions, compensation cost is recognized only for awards that vest). Also, under current U.S. GAAP, an estimate must be made of the number of awards for which the requisite service period is expected to be rendered, and accruals of compensation cost must be based on the estimated number of awards that will vest. As amended by ASU No. 2016-09, an entity-wide accounting policy election could be made either to (1) estimate the effect of forfeitures in the initial accrual of compensation cost each year, or (2) account for forfeitures in compensation cost when they actually occur.

 

Minimum Statutory Withholding Tax Requirements - Current U.S. GAAP requires an award to be classified as a liability if an amount in excess of the minimum statutory withholding requirements is withheld (or may be withheld) at the employee’s discretion. As amended by ASU No. 2016-09, the requirement for classification as a liability has been modified so that a partial cash settlement of an award for tax withholding will not, of itself, automatically result in liability classification, provided that the amount withheld does not exceed the maximum individual statutory tax rate in the applicable jurisdictions.

 

Classification in the Cash Flow Statement of Employee Taxes Paid When an Employer Withholds Shares for Tax-Withholding Purposes - As amended by ASU No. 2016-09, cash paid by an employer to a taxing authority when directly withholding shares for tax withholding purposes is classified as a financing activity in the cash flow statement. Current U.S. GAAP does not directly address the cash flow statement classification of such transactions. The Practical Expedients for Non-Public Entities for the expected term of a share option and intrinsic value are not applicable to a public entity and therefore will not be discussed.

 

Elimination of Indefinitely Deferred Guidance - FASB Staff Position FAS 123(R)-1, Classification and Measurement of Freestanding Financial Instruments Originally Issued in Exchange for Employee Services under FASB Statement No. 123(R), indefinitely deferred the guidance making a freestanding financial instrument subject to the recognition and measurement requirements of other U.S. GAAP when the rights conveyed by the instrument are no longer dependent on the holder being an employee. As amended by ASU No. 2016-09, such deferred guidance has been eliminated from the Codification (and, accordingly, there will be no change in the application of existing U.S. GAAP).

 

The amended guidance in ASU No. 2016-09 is effective for public business entities, for annual periods beginning after December 15, 2016 and for interim periods within those annual periods. Early adoption is permitted. The Company is evaluating the impact that this standard will have on their consolidated financial statements.
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Earnings per Common Share
 3 Months Ended
Mar. 31, 2016
Earnings Per Share [Abstract]  
Earnings per Common Share

Note 3:   Earnings per Common Share

 

Basic earnings per share is calculated by dividing net income available to common stockholders by the weighted average number of common shares outstanding during the period. Net income available to common stockholders is net income to FSB Community Bankshares, Inc. The Company has not granted any restricted stock awards or stock options and, during the periods ended March 31, 2016 and 2015, had no potentially dilutive common stock equivalents. Unallocated common shares held by the ESOP are not included in the weighted-average number of common shares outstanding for purposes of calculating earnings per common share until they are committed to be released.

 

The following table sets forth the calculation of basic earnings per share.

 

    Three months ended  
    March 31,  
(In thousands, except per share data)   2016     2015  
Basic Earnings Per Common Share                
Net income available to common stockholders   $ 77     $ 87  
Weighted average common shares outstanding     1,742       1,739  
Basic earnings per common share   $ 0.04     $ 0.05  
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Investment Securities
 3 Months Ended
Mar. 31, 2016
Investments, Debt and Equity Securities [Abstract]  
Investment Securities

Note 4:   Investment Securities

 

The amortized cost and estimated fair value of investment securities are summarized as follows:

 

    March 31, 2016  
          Gross     Gross        
    Amortized     Unrealized     Unrealized     Fair  
(In thousands)   Cost     Gains     Losses     Value  
Available-for-Sale Portfolio                                
U.S. Government and agency obligations   $ 6,077     $ 12     $ -     $ 6,089  
Mortgage-backed securities – residential     13,117       110       (32 )     13,195  
Total available-for-sale   $ 19,194     $ 122     $ (32 )   $ 19,284  
                                 
Held-to-Maturity Portfolio                                
Mortgage-backed securities – residential   $ 1,504     $ 39     $ -     $ 1,543  
U.S. Government and agency obligations     3,405       102       -       3,507  
State and municipal securities     4,647       107       -       4,754  
Total held-to-maturity   $ 9,556     $ 248     $ -     $ 9,804  

 

    December 31, 2015  
          Gross     Gross        
    Amortized     Unrealized     Unrealized     Fair  
(In thousands)   Cost     Gains     Losses     Value  
Available-for-Sale Portfolio                                
U.S. Government and agency obligations   $ 6,000     $ -     $ (32 )   $ 5,968  
Mortgage-backed securities – residential     13,974       101       (75 )     14,000  
Total available-for-sale   $ 19,974     $ 101     $ (107 )   $ 19,968  
                                 
Held-to-Maturity Portfolio                                
Mortgage-backed securities – residential   $ 1,535     $ 39     $ -     $ 1,574  
U.S. Government and agency obligations     6,793       129       -       6,922  
State and municipal securities     4,651       76       (1 )     4,726  
Total held-to-maturity   $ 12,979     $ 244     $ (1 )   $ 13,222  

 

The amortized cost and estimated fair value of debt investments at March 31, 2016 by contractual maturity are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalties.

 

    Available-for-Sale     Held-to-Maturity  
    Amortized           Amortized        
(In thousands)   Cost     Fair Value     Cost     Fair Value  
Due in one year or less   $ -     $ -     $ 156     $ 158  
Due after one year through five years     1,000       1,001       2,438       2,489  
Due after five years through ten years     3,167       3,173       4,503       4,614  
Due after ten years     1,910       1,915       955       1,000  
Sub-total   $ 6,077     $ 6,089     $ 8,052     $ 8,261  
Mortgage-backed securities – residential     13,117       13,195       1,504       1,543  
Totals   $ 19,194     $ 19,284     $ 9,556     $ 9,804  

 

The Company’s investment securities’ gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are as follows:

 

    March 31, 2016  
    Less than Twelve Months     Twelve Months or More     Total  
    Number of                 Number of                 Number of              
    Individual     Unrealized     Fair     Individual     Unrealized     Fair     Individual     Unrealized     Fair  
(Dollars in thousands)   Securities     Losses     Value     Securities     Losses     Value     Securities     Losses     Value  
Available-for-Sale                                                                        
U.S. Government and agency obligations     -     $ -     $ -       -     $ -     $ -       -     $ -     $ -  
Mortgage-backed securities - residential     2       5       2,295       3       27       2,536       5       32       4,831  
Totals     2     $ 5     $ 2,295       3     $ 27     $ 2,536       5     $ 32     $ 4,831  
Held-to-Maturity                                                                        
State and municipal securities(1)     1     $ -     $ 81       1     $ -     $ 45       2     $ -     $ 126  
Totals     1     $ -     $ 81       1     $ -     $ 45       2     $ -     $ 126  

 

    December 31, 2015  
    Less than Twelve Months     Twelve Months or More     Total  
    Number of                 Number of                 Number of              
    Individual     Unrealized     Fair     Individual     Unrealized     Fair     Individual     Unrealized     Fair  
(Dollars in thousands)   Securities     Losses     Value     Securities     Losses     Value     Securities     Losses     Value  
Available-for-Sale                                                                        
U.S. Government and agency obligations     6     $ 32     $ 5,968       -     $ -     $ -       6     $ 32     $ 5,968  
Mortgage-backed securities - residential     5       61       6,283       1       14       821       6       75       7,104  
Totals     11     $ 93     $ 12,251       1     $ 14     $ 821       12     $ 107     $ 13,072  
Held-to-Maturity                                                                        
State and municipal securities(1)     2     $ -     $ 455       2     $ 1     $ 126       4     $ 1     $ 581  
Totals     2     $ -     $ 455       2     $ 1     $ 126       4     $ 1     $ 581  

 

(1) Aggregate unrealized loss position of these securities is less than $500.

 

The Company conducts a formal review of investment securities on a quarterly basis for the presence of other-than-temporary impairment (“OTTI”). The Company assesses whether OTTI is present when the fair value of a debt security is less than its amortized cost basis at the statement of condition date. Under these circumstances, OTTI is considered to have occurred (1) if we intend to sell the security; (2) if it is “more likely than not” we will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of expected cash flows is not anticipated to be sufficient to recover the entire amortized cost basis. The guidance requires that credit-related OTTI is recognized in earnings while non-credit-related OTTI on securities not expected to be sold is recognized in other comprehensive income (“OCI”). Non-credit-related OTTI is based on other factors, including illiquidity and changes in the general interest rate environment. Presentation of OTTI is made in the consolidated statement of income on a gross basis, including both the portion recognized in earnings as well as the portion recorded in OCI. The gross OTTI would then be offset by the amount of non-credit-related OTTI, showing the net as the impact on earnings.

 

There were seven securities in an unrealized loss position at March 31, 2016, of which four have been in loss positions for a period greater than twelve months and three have been in loss positions for a period less than twelve months. This compares to 16 securities in an unrealized loss position at December 31, 2015, of which three had been in loss positions for a period greater than twelve months and 13 had been in loss positions for a period less than twelve months. Among the four securities in loss positions for a period greater than twelve months at March 31, 2016, three were mortgage-backed pass-through securities or collateralized mortgage obligations issued by the following entities sponsored and guaranteed by the United States Government: FNMA, FHLMC, FHLB and FFCB. These issuing entities are currently rated Aaa by Moody’s Investor Services and AA+ by Standard and Poors. The remaining security that has been in a loss position for a period greater than twelve months was issued by a state or political subdivision.

 

Among the three securities in an unrealized loss position at March 31, 2016 for less than twelve months, two were either direct issuances of, or mortgage-backed securities or collateralized mortgage obligations issued by, the following entities sponsored and guaranteed by the United States Government: FNMA, FHLMC, FHLB and FFCB. The remaining security was issued by a state or political subdivision. The unrealized losses reflected are primarily attributable to changes in interest rates since the securities were acquired. The Company does not intend to sell these securities, nor is it more likely than not, that the Company will be required to sell these securities prior to recovery of the amortized cost. As such, management does not believe any individual unrealized loss as of March 31, 2016 represents OTTI.

 

There were no sales of securities for the three months ended March 31, 2016 and 2015.

 

As of March 31, 2016 and December 31, 2015, no securities were pledged to secure public deposits or for any other purpose required or permitted by law.

 

Management has reviewed its loan and mortgage-backed securities portfolios and determined that, to the best of its knowledge, little or no exposure exists to sub-prime or other high-risk residential mortgages. The Company is not in the practice of investing in, or originating, these types of investments or loans.
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Loans
 3 Months Ended
Mar. 31, 2016
Loans and Leases Receivable Disclosure [Abstract]  
Loans

Note 5:   Loans

 

Major classifications of loans at the indicated dates are as follows:

 

    March 31,     December 31,  
(In thousands)   2016     2015  
Real estate loans:                
Secured by one-to-four family residences   $ 178,677     $ 177,037  
Secured by multi-family residences     5,469       5,146  
Construction     1,544       1,251  
Commercial real estate     4,589       3,522  
Home equity lines of credit     15,087       14,523  
Total real estate loans     205,366       201,479  
Commercial and industrial loans     896       853  
Other loans     64       61  
Total loans     206,326       202,393  
Net deferred loan origination costs     237       248  
Less allowance for loan losses     (855 )     (811 )
Loans receivable, net   $ 205,708     $ 201,830  

 

The Company originates residential mortgage, commercial, and consumer loans largely to customers throughout Monroe county and the surrounding western New York counties of Erie, Livingston, Ontario, Orleans, Jefferson and Wayne. Although the Company has a diversified loan portfolio, a substantial portion of its borrowers’ abilities to honor their loan contracts is dependent upon the counties’ employment and economic conditions.

 

As of March 31, 2016 and December 31, 2015, residential mortgage loans with a carrying value of $163.3 million and $168.2 million, respectively, have been pledged by the Company to the Federal Home Loan Bank of New York (“FHLBNY”) under a blanket collateral agreement to secure the Company’s line of credit and term borrowings. The Company retains the servicing on most fixed-rate mortgage loans sold and receives a fee based on the principal balance outstanding. Loans serviced for others totaled $90.9 million and $85.9 million at March 31, 2016 and December 31, 2015, respectively. Loan servicing rights are recorded at fair value when loans are sold with servicing rights retained. The fair value of the mortgage servicing rights (“MSRs”) is determined using a method which utilizes servicing income, discount rates, and prepayment speeds relative to the Bank’s portfolio for MSRs and are amortized over the life of the loan. MSRs amounted to $598,000 and $561,000 at March 31, 2016 and December 31, 2015, respectively, and are included in other assets on the consolidated balance sheets.

 

Loan Origination / Risk Management

 

The Company’s lending policies and procedures are presented in Note 3 to the consolidated financial statements included in the New Holding Company’s Registration Statement on Form S-1 declared effective by the Securities and Exchange Commission on May 13, 2016 and have not changed.

 

To develop and document a systematic methodology for determining the allowance for loan losses, the Company has divided the loan portfolio into two portfolio segments, each with different risk characteristics but with similar methodologies for assessing risk.  Each portfolio segment is broken down into loan classes where appropriate.  Loan classes contain unique measurement attributes, risk characteristics, and methods for monitoring and assessing risk that are necessary to develop the allowance for loan losses. Unique characteristics such as borrower type, loan type, collateral type, and risk characteristics define each class. 

 

The following table illustrates the portfolio segments and classes for the Company’s loan portfolio:

 

Portfolio Segment Class
   
Real Estate Loans Secured by one-to-four family residences
  Secured by multi-family residences
 

Construction

Commercial real estate

Home equity lines of credit
   
Other Loans Commercial and industrial
  Other loans
   
   

 

The following tables present the classes of the loan portfolio, not including net deferred loan fees, summarized by the aggregate pass rating and the classified ratings of special mention, substandard and doubtful within the Company's internal risk rating system as of the dates indicated:

 

    As of March 31, 2016  
          Special                    
(In thousands)   Pass     Mention     Substandard     Doubtful     Total  
Real estate loans:                                        
Secured by one-to-four family residences   $ 177,414     $ -     $ 1,263     $ -     $ 178,677  
Secured by multi-family residences     5,469       -       -       -       5,469  
Construction     1,544       -       -       -       1,544  
Commercial real estate     4,589       -       -       -       4,589  
Home equity lines of credit     14,790       -       297       -       15,087  
Total real estate loans     203,806       -       1,560       -       205,366  
Commercial & industrial loans     896       -       -       -       896  
Other loans     63       -       -       1       64  
Total loans   $ 204,765     $ -     $ 1,560     $ 1     $ 206,326  

 

    As of December 31, 2015  
          Special                    
(In thousands)   Pass     Mention     Substandard     Doubtful     Total  
Real estate loans:                                        
Secured by one-to-four family residences   $ 175,885     $ -     $ 1,152     $ -     $ 177,037  
Secured by multi-family residences     5,146       -       -       -       5,146  
Construction     1,251       -       -       -       1,251  
Commercial real estate     3,522       -       -       -       3,522  
Home equity lines of credit     14,223       -       300       -       14,523  
Total real estate loans     200,027       -       1,452       -       201,479  
Commercial & industrial loans     853       -       -       -       853  
Other loans     60       -       -       1       61  
Total loans   $ 200,940     $ -     $ 1,452     $ 1     $ 202,393  

 

Management has reviewed its loan portfolio and determined that, to the best of its knowledge, no exposure exists to sub-prime or other high-risk residential mortgages. The Company is not in the practice of originating these types of loans.

 

Nonaccrual and Past Due Loans

 

Loans are placed on nonaccrual when the contractual payment of principal and interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan may be currently performing.

 

Loans are considered past due if the required principal and interest payments have not been received within thirty days of the payment due date. An age analysis of past due loans, segregated by portfolio segment and class of loans, as of March 31, 2016 and December 31, 2015, are detailed in the following tables:

 

    As of March 31, 2016  
    30-59 Days     60-89 Days                          
    Past Due     Past Due     90 Days     Total           Total Loans  
(In thousands)   And Accruing     And Accruing     and Over     Past Due     Current     Receivable  
Real estate loans:                                                
Secured by one-to-four family residences   $ 90     $ -     $ 118     $ 208     $ 178,469     $ 178,677  
Secured by multi-family residences     -       -       -       -       5,469       5,469  
Construction     -       -       -       -       1,544       1,544  
Commercial     -       -       -       -       4,589       4,589  
Home equity lines of credit     -       -       18       18       15,069       15,087  
Total real estate loans     90       -       136       226       205,140       205,366  
Commercial & industrial loans     -       -       -       -       896       896  
Other loans     1       -       -       1       63       64  
Total loans   $ 91     $ -     $ 136     $ 227     $ 206,099     $ 206,326  

 

    As of December 31, 2015  
    30-59 Days     60-89 Days                          
    Past Due     Past Due     90 Days     Total           Total Loans  
(In thousands)   And Accruing     And Accruing     and Over     Past Due     Current     Receivable  
Real estate loans:                                                
Secured by one-to-four family residences   $ 118     $ -     $ 63     $ 181     $ 176,856     $ 177,037  
Secured by multi-family residences     -       -       -       -       5,146       5,146  
Construction     -       -       -       -       1,251       1,251  
Commercial     -       -       -       -       3,522       3,522  
Home equity lines of credit     -       -       18       18       14,505       14,523  
Total real estate loans     118       -       81       199       201,280       201,479  
Commercial & industrial loans     -       -       -       -       853       853  
Other loans     9       -       1       10       51       61  
Total loans   $ 127     $ -     $ 82     $ 209     $ 202,184     $ 202,393  

  

At March 31, 2016, the Company had one nonaccrual residential mortgage loan for $89,000, one nonaccrual home equity line of credit for $18,000, and one nonaccrual home equity loan for $29,000. At December 31, 2015, the Company had one nonaccrual residential mortgage loan for $63,000, one nonaccrual home equity line of credit for $18,000, and one nonaccrual checking line of credit for $1,000.

 

There were no loans that were past due 90 days or more and still accruing interest at March 31, 2016 or December 31, 2015. At March 31, 2016 and December 31, 2015, there were no loans considered to be impaired and no troubled debt restructurings.
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Allowance for Loan Losses and Foreclosed Real Estate
 3 Months Ended
Mar. 31, 2016
Loans and Leases Receivable Disclosure [Abstract]  
Allowance for Loan Losses and Foreclosed Real Estate

Note 6:   Allowance for Loan Losses and Foreclosed Real Estate

 

Summarized in the tables below are changes in the allowance for loan losses for the indicated periods and information pertaining to the allocation of the allowance for loan losses, balances of the allowance for loan losses, loans receivable based on individual, and collective impairment evaluation by loan portfolio class. An allocation of a portion of the allowance to a given portfolio class does not limit the Company’s ability to absorb losses in another portfolio class.

 

    March 31, 2016                    
    Secured by     Secured by                                      
    one-to-four     multi-family                 Home equity                    
    family residences     residences     Construction     Commercial     lines of credit     Commercial     Other/        
(In thousands)   real estate loans     real estate loans     real estate loans     real estate loans     real estate loans     & industrial     Unallocated     Total  
Allowance for loan losses:                                                                
Beginning Balance   $ 524     $ 39     $ 6     $ 35     $ 101     $ 11     $ 95     $ 811  
Charge-offs     -       -       -       -       -       -       (1 )     (1 )
Recoveries     -       -       -       -       -       -       -       -  
Provisions     15       2       2       11       3       -       12       45  
Ending balance   $ 539     $ 41     $ 8     $ 46     $ 104     $ 11     $ 106     $ 855  

 

    March 31, 2015                    
    Secured by     Secured by                                      
    one-to-four     multi-family                 Home equity                    
    family residences     residences     Construction     Commercial     lines of credit     Commercial     Other/        
(In thousands)   real estate loans     real estate loans     real estate loans     real estate loans     real estate loans     & industrial     Unallocated     Total  
Allowance for loan losses:                                                                
Beginning Balance   $ 448     $ 29     $ 6     $ 14     $ 87     $ 1     $ 68     $ 653  
Charge-offs     -       -       -       -       -       -       -       -  
Recoveries     -       -       -       -       -       -       -       -  
Provisions     (7 )     -       (1 )     -     $ 10       -       36       38  
Ending balance   $ 441     $ 29     $ 5     $ 14     $ 97     $ 1     $ 104     $ 691  

 

The Company had no foreclosed real estate at March 31, 2016 or December 31, 2015.

 

At March 31, 2016, the Company did not have any residential real estate loans in the process of foreclosure.
XML 24 R14.htm IDEA: XBRL DOCUMENT v3.5.0.1
Fair Value Measurements
 3 Months Ended
Mar. 31, 2016
Fair Value Disclosures [Abstract]  
Fair Value Measurements

Note 7:   Fair Value Measurements

 

Accounting guidance related to fair value measurements and disclosures specifies a hierarchy of valuation techniques based on whether the inputs to those valuation techniques are observable or unobservable. Observable inputs reflect market data obtained from independent sources, while unobservable inputs reflect the Company’s market assumptions. These two types of inputs have created the following fair value hierarchy:

 

Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.

 

Level 2 – Quoted prices for similar assets and liabilities in active markets; quoted prices for identical or similar assets or liabilities in markets that are not active; and model-derived valuations in which all significant inputs and significant value drivers are observable in active markets.

 

Level 3 – Model-derived valuations in which one or more significant inputs or significant value drivers are unobservable.

 

An asset’s or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.

 

In determining fair value, the Company utilizes valuation techniques that maximize the use of observable inputs, minimize the use of unobservable inputs, to the extent possible, and considers counterparty credit risk in its assessment of fair value.

 

The following tables summarize assets measured at fair value on a recurring basis as of the indicated dates, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value:

 

    March 31, 2016  
(In thousands)   Level 1     Level 2     Level 3     Total Fair Value  
Available-for-sale portfolio                                
U.S. Government and agency obligations   $ -     $ 6,089     $ -     $ 6,089  
Mortgage-backed securities – residential     -       13,195       -       13,195  
Total available-for-sale securities   $ -     $ 19,284     $ -     $ 19,284  

 

    December 31, 2015  
(In thousands)   Level 1     Level 2     Level 3     Total Fair Value  
Available-for-sale portfolio                                
U.S. Government and agency obligations   $ -     $ 5,968     $ -     $ 5,968  
Mortgage-backed securities – residential     -       14,000       -       14,000  
Total available-for-sale securities   $ -     $ 19,968     $ -     $ 19,968  

 

There have been no transfers of assets into or out of any fair value measurement level during the quarter ended March 31, 2016.

 

Required disclosures include fair value information of financial instruments, whether or not recognized in the consolidated statement of condition, for which it is practicable to estimate that value. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instrument.

 

The Company has various processes and controls in place to ensure that fair value is reasonably estimated. The Company performs due diligence procedures over third-party pricing service providers in order to support their use in the valuation process. 

 

While the Company believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date.

 

Management uses its best judgment in estimating the fair value of the Company’s financial instruments; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Company could have realized in a sale transaction on the dates indicated. The estimated fair value amounts have been measured as of their respective period-ends, and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates. As such, the estimated fair values of these financial instruments subsequent to the respective reporting dates may be different than the amounts reported at each period-end.

 

The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company’s assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company’s disclosures and those of other companies may not be meaningful. The Company, in estimating its fair value disclosures for financial instruments, used the following methods and assumptions:

 

Cash, Due from Banks, and Interest Bearing Demand Deposits

 

The carrying amounts of these assets approximate their fair values.

 

Investment Securities

 

The fair value of securities available for sale (carried at fair value) and held to maturity (carried at amortized cost) are determined by matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted market prices for the specific securities but rather relying on the securities’ relationship to other benchmark quoted prices and is considered to be a Level 2 measurement.

 

Investment in FHLB Stock

 

The carrying value of FHLB stock approximates its fair value based on the redemption provisions of the FHLB stock, resulting in a Level 2 classification.

 

Loans

 

The fair values of loans held in portfolio are estimated using discounted cash flow analyses, using market rates at the balance sheet date that reflect the credit and interest rate-risk inherent in the loans, resulting in a Level 3 classification. Projected future cash flows are calculated based upon contractual maturity or call dates, projected repayments and prepayments of principal. Generally, for variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values.

 

Mortgage loans held for sale in the secondary market are carried at the lower of cost or fair value, resulting in a Level 2 classification. Separate determinations of fair value for residential and commercial loans are made on an aggregate basis. Fair value is determined based solely on the effect of changes in secondary market interest rates and yield requirements from the commitment date to the date of the financial statements.

 

Accrued Interest Receivable and Payable

 

The carrying amount of accrued interest receivable and payable approximates fair value.

 

Deposits

 

The fair values disclosed for demand deposits (e.g., NOW accounts, non-interest checking, regular savings and certain types of money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts), resulting in a Level 1 classification. The carrying amounts for variable-rate certificates of deposit approximate their fair values at the reporting date, resulting in a Level 1 classification. Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies market interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits, resulting in a Level 2 classification.

 

Borrowings

 

The fair values of FHLB long-term borrowings are estimated using discounted cash flow analyses, based on the quoted rates for new FHLB advances with similar credit risk characteristics, terms and remaining maturity, resulting in a Level 2 classification.

 

The carrying amounts and fair values of the Company’s financial instruments as of the indicated dates are presented in the following table:

 

        March 31, 2016     December 31, 2015  
    Fair Value   Carrying     Estimated     Carrying     Estimated  
(In thousands)   Hierarchy   Amounts     Fair Values     Amounts     Fair Values  
Financial assets:                                    
Cash and due from banks   1   $ 1,623     $ 1,623     $ 1,550     $ 1,550  
Interest earning demand deposits   1     6,489       6,489       4,597       4,597  
Securities - available-for-sale   2     19,284       19,284       19,968       19,968  
Securities - held-to-maturity   2     9,556       9,804       12,979       13,222  
Investment in FHLB stock   2     2,415       2,415       2,388       2,388  
Loans held for sale   2     3,907       3,907       3,880       3,880  
Loans, net   3     205,708       205,590       201,830       201,886  
Accrued interest receivable   1     643       643       655       655  
                                     
Financial liabilities:                                    
Demand Deposits, Savings, NOW and MMDA   1     86,692       86,692       84,060       84,060  
Time Deposits   2     100,897       100,713       101,501       101,272  
Borrowings   2     46,697       46,443       46,092       46,447  
Accrued interest payable   1     63       63       60       60  
 
XML 25 R15.htm IDEA: XBRL DOCUMENT v3.5.0.1
Accumulated Other Comprehensive Income (Loss)
 3 Months Ended
Mar. 31, 2016
Comprehensive Income Loss Note [Abstract]  
Accumulated Other Comprehensive Income (Loss)

Note 8:   Accumulated Other Comprehensive Income (Loss)

 

Changes in the components of accumulated other comprehensive income (loss) (“AOCI”), net of tax, for the periods indicated are summarized in the table below.

 

    For the three months ended March 31, 2016  
(In thousands)   Unrealized Gains and Losses on
Available-for-Sale Securities		     Unrealized Loss on Securities
Transferred to  Held-to-Maturity		     Total  
Beginning balance   $ (4 )   $ (208 )   $ (212 )
Other comprehensive income before reclassifications     63       113       176  
Ending balance   $ 59     $ (95 )   $ (36 )

 

    For the three months ended March 31, 2015  
(In thousands)   Unrealized Gains and Losses on
Available-for-Sale Securities		     Securities reclassified from AFS
to HTM		     Total  
Beginning balance   $ 129     $ (355 )   $ (226 )
Other comprehensive income before reclassifications     6       7       13  
Ending balance   $ 135     $ (348 )   $ (213 )

 

There were no amounts reclassified out of AOCI for the three months ended March 31, 2016 and 2015.
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Accounting Policy (Policy)
 3 Months Ended
Mar. 31, 2016
Accounting Policies [Abstract]  
Basis of Presentation

Basis of Presentation

 

The accompanying unaudited consolidated financial statements of FSB Community Bankshares, Inc., (the “Company”), Fairport Savings Bank (the “Bank”) and its other wholly owned subsidiary, Fairport Wealth Management, have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information, the instructions for Form 10-Q and Article 8 of Regulation S-X. Accordingly, they do not include all of the information and footnotes necessary for a complete presentation of consolidated financial condition, results of operations and cash flows in conformity with generally accepted accounting principles. In the opinion of management, all adjustments, consisting of normal recurring accruals considered necessary for a fair presentation, have been included. Operating results for the three months ended March 31, 2016 are not necessarily indicative of the results that may be expected for the year ending December 31, 2016 or any other interim period.

 

The Company's consolidated financial statements are prepared in accordance with accounting principles generally accepted in the United States and follow practices within the banking industry. Application of these principles requires management to make estimates, assumptions, and judgments that affect the amounts reported in the consolidated financial statements and accompanying notes. These estimates, assumptions, and judgments are based on information available as of the date of the financial statements; accordingly, as this information changes, the financial statements could reflect different estimates, assumptions, and judgments. Certain policies inherently have a greater reliance on the use of estimates, assumptions, and judgments and as such have a greater possibility of producing results that could be materially different than originally reported. Estimates, assumptions, and judgments are necessary when assets and liabilities are required to be recorded at fair value or when an asset or liability needs to be recorded contingent upon a future event. Carrying assets and liabilities at fair value inherently results in more financial statement volatility. The fair values and information used to record valuation adjustments for certain assets and liabilities are based on quoted market prices or are provided by other third-party sources, when available. When third party information is not available, valuation adjustments are estimated in good faith by management.

 

On March 2, 2016, the Board of Directors of the Company, FSB Community Bankshares, MHC (the “MHC”), and the Bank announced the adoption of a Plan of Conversion and Reorganization (“Plan of Conversion”).  Pursuant to the Plan of Conversion, the MHC will sell its majority ownership interest in the Company in a “second step” stock offering.  On May 13, 2016, the Securities and Exchange Commission declared the registration statement of FSB Bancorp, Inc., a Maryland corporation (the “New Holding Company”) relating to the sale of its common stock effective. The New Holding Company is proposing to sell between 765,000 shares and 1,035,000 shares of common stock at $10.00 per share in the offering.  Concurrent with the completion of the offering, shares of common stock of the Company will be converted into the right to receive between 0.8041 of a share and 1.0879 shares of New Holding Company common stock for each share of the Company’s common stock that was owned immediately prior to completion of the conversion. Cash in lieu of fractional shares will be paid based on the offering price of $10.00 per share. Following completion of the conversion and offering, the Bank will be 100% owned by the New Holding Company and the New Holding Company will be 100% owned by public stockholders.
New Accounting Pronouncements

New Accounting Pronouncements

 

The Financial Accounting Standards Board (FASB) has issued Accounting Standards Update (ASU) No. 2016-09, Compensation—Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting, which is part of the FASB Simplification Initiative to identify specific areas of U.S. generally accepted accounting principles (U.S. GAAP) for which cost and complexity can be reduced while maintaining or improving the usefulness of the information provided. The simplifications, which cover various matters, including the income tax consequences of share-based payment arrangements, classification in the statement of cash flows of employee taxes paid, and two practical expedients for non-public entities, amends various Topics and Subtopics in the FASB Accounting Standards Codification (the “Codification”).

 

Accounting for Income Taxes - Under current U.S. GAAP, if the deduction for a share-based payment award for income tax purposes exceeds the compensation cost for accounting purposes, then the additional tax benefit is recognized in additional paid-in capital and referred to as an excess tax benefit. Accumulated excess tax benefits are available to offset current and subsequent period tax deficiencies (i.e., when the deduction for tax purposes is less than the compensation cost for accounting purposes). If the accumulated amount is exhausted, then all subsequent tax deficiencies are recognized in the income statement. The foregoing income tax accounting requirements apply to share-based-payment transactions and to employee stock ownership plan transactions. As amended by ASU No. 2016-09, (1) all excess tax benefits and all tax deficiencies are to be recognized as income tax expense or benefit in the income statement, (2) such benefits and deficiencies are deemed to be discrete items in the reporting period in which they occur (i.e., they should not be considered in determining the annual estimated effective tax rate), and (3) because there is no longer any excess tax benefits recognized in additional paid-in capital, the assumed proceeds from applying the treasury stock method when computing earnings per share (EPS) will exclude the amount of excess tax benefits that would have been recognized in additional paid-in capital.

 

Classification of Excess Tax Benefits in the Cash Flow Statement - Under current U.S. GAAP, excess tax benefits are required to be separated from other income tax cash flows and classified as a financing activity in the cash flow statement. As amended by ASU No. 2016-09, the requirement to present excess tax benefits as cash inflows from financing activities and as cash outflows from operating activities has been eliminated, and, thus, amounts relating to excess tax benefits must be classified in the cash flow statement as an operating activity.

 

Forfeitures - Current U.S. GAAP requires compensation cost to be recognized for awards in which the requisite service period is rendered (i.e., for awards with performance or service conditions, compensation cost is recognized only for awards that vest). Also, under current U.S. GAAP, an estimate must be made of the number of awards for which the requisite service period is expected to be rendered, and accruals of compensation cost must be based on the estimated number of awards that will vest. As amended by ASU No. 2016-09, an entity-wide accounting policy election could be made either to (1) estimate the effect of forfeitures in the initial accrual of compensation cost each year, or (2) account for forfeitures in compensation cost when they actually occur.

 

Minimum Statutory Withholding Tax Requirements - Current U.S. GAAP requires an award to be classified as a liability if an amount in excess of the minimum statutory withholding requirements is withheld (or may be withheld) at the employee’s discretion. As amended by ASU No. 2016-09, the requirement for classification as a liability has been modified so that a partial cash settlement of an award for tax withholding will not, of itself, automatically result in liability classification, provided that the amount withheld does not exceed the maximum individual statutory tax rate in the applicable jurisdictions.

 

Classification in the Cash Flow Statement of Employee Taxes Paid When an Employer Withholds Shares for Tax-Withholding Purposes - As amended by ASU No. 2016-09, cash paid by an employer to a taxing authority when directly withholding shares for tax withholding purposes is classified as a financing activity in the cash flow statement. Current U.S. GAAP does not directly address the cash flow statement classification of such transactions. The Practical Expedients for Non-Public Entities for the expected term of a share option and intrinsic value are not applicable to a public entity and therefore will not be discussed.

 

Elimination of Indefinitely Deferred Guidance - FASB Staff Position FAS 123(R)-1, Classification and Measurement of Freestanding Financial Instruments Originally Issued in Exchange for Employee Services under FASB Statement No. 123(R), indefinitely deferred the guidance making a freestanding financial instrument subject to the recognition and measurement requirements of other U.S. GAAP when the rights conveyed by the instrument are no longer dependent on the holder being an employee. As amended by ASU No. 2016-09, such deferred guidance has been eliminated from the Codification (and, accordingly, there will be no change in the application of existing U.S. GAAP).

 

The amended guidance in ASU No. 2016-09 is effective for public business entities, for annual periods beginning after December 15, 2016 and for interim periods within those annual periods. Early adoption is permitted. The Company is evaluating the impact that this standard will have on their consolidated financial statements.
XML 27 R17.htm IDEA: XBRL DOCUMENT v3.5.0.1
Earnings per Common Share (Tables)
 3 Months Ended
Mar. 31, 2016
Earnings Per Share [Abstract]  
Schedule of basic earnings per share
    Three months ended  
    March 31,  
(In thousands, except per share data)   2016     2015  
Basic Earnings Per Common Share                
Net income available to common stockholders   $ 77     $ 87  
Weighted average common shares outstanding     1,742       1,739  
Basic earnings per common share   $ 0.04     $ 0.05  
XML 28 R18.htm IDEA: XBRL DOCUMENT v3.5.0.1
Investment Securities (Tables)
 3 Months Ended
Mar. 31, 2016
Investments, Debt and Equity Securities [Abstract]  
Schedule of amortized cost and estimated fair value of securities
    March 31, 2016  
          Gross     Gross        
    Amortized     Unrealized     Unrealized     Fair  
(In thousands)   Cost     Gains     Losses     Value  
Available-for-Sale Portfolio                                
U.S. Government and agency obligations   $ 6,077     $ 12     $ -     $ 6,089  
Mortgage-backed securities – residential     13,117       110       (32 )     13,195  
Total available-for-sale   $ 19,194     $ 122     $ (32 )   $ 19,284  
                                 
Held-to-Maturity Portfolio                                
Mortgage-backed securities – residential   $ 1,504     $ 39     $ -     $ 1,543  
U.S. Government and agency obligations     3,405       102       -       3,507  
State and municipal securities     4,647       107       -       4,754  
Total held-to-maturity   $ 9,556     $ 248     $ -     $ 9,804  

 

    December 31, 2015  
          Gross     Gross        
    Amortized     Unrealized     Unrealized     Fair  
(In thousands)   Cost     Gains     Losses     Value  
Available-for-Sale Portfolio                                
U.S. Government and agency obligations   $ 6,000     $ -     $ (32 )   $ 5,968  
Mortgage-backed securities – residential     13,974       101       (75 )     14,000  
Total available-for-sale   $ 19,974     $ 101     $ (107 )   $ 19,968  
                                 
Held-to-Maturity Portfolio                                
Mortgage-backed securities – residential   $ 1,535     $ 39     $ -     $ 1,574  
U.S. Government and agency obligations     6,793       129       -       6,922  
State and municipal securities     4,651       76       (1 )     4,726  
Total held-to-maturity   $ 12,979     $ 244     $ (1 )   $ 13,222  
Schedule of amortized cost and estimated fair value by contractual maturity of debt securities
    Available-for-Sale     Held-to-Maturity  
    Amortized           Amortized        
(In thousands)   Cost     Fair Value     Cost     Fair Value  
Due in one year or less   $ -     $ -     $ 156     $ 158  
Due after one year through five years     1,000       1,001       2,438       2,489  
Due after five years through ten years     3,167       3,173       4,503       4,614  
Due after ten years     1,910       1,915       955       1,000  
Sub-total   $ 6,077     $ 6,089     $ 8,052     $ 8,261  
Mortgage-backed securities – residential     13,117       13,195       1,504       1,543  
Totals   $ 19,194     $ 19,284     $ 9,556     $ 9,804  
Schedule of continuous unrealized loss position for investment securities

 		 March 31, 2016  
    Less than Twelve Months     Twelve Months or More     Total  
    Number of                 Number of                 Number of              
    Individual     Unrealized     Fair     Individual     Unrealized     Fair     Individual     Unrealized     Fair  
(Dollars in thousands)   Securities     Losses     Value     Securities     Losses     Value     Securities     Losses     Value  
Available-for-Sale                                                                        
U.S. Government and agency obligations     -     $ -     $ -       -     $ -     $ -       -     $ -     $ -  
Mortgage-backed securities - residential     2       5       2,295       3       27       2,536       5       32       4,831  
Totals     2     $ 5     $ 2,295       3     $ 27     $ 2,536       5     $ 32     $ 4,831  
Held-to-Maturity                                                                        
State and municipal securities(1)     1     $ -     $ 81       1     $ -     $ 45       2     $ -     $ 126  
Totals     1     $ -     $ 81       1     $ -     $ 45       2     $ -     $ 126  

 

    December 31, 2015  
    Less than Twelve Months     Twelve Months or More     Total  
    Number of                 Number of                 Number of              
    Individual     Unrealized     Fair     Individual     Unrealized     Fair     Individual     Unrealized     Fair  
(Dollars in thousands)   Securities     Losses     Value     Securities     Losses     Value     Securities     Losses     Value  
Available-for-Sale                                                                        
U.S. Government and agency obligations     6     $ 32     $ 5,968       -     $ -     $ -       6     $ 32     $ 5,968  
Mortgage-backed securities - residential     5       61       6,283       1       14       821       6       75       7,104  
Totals     11     $ 93     $ 12,251       1     $ 14     $ 821       12     $ 107     $ 13,072  
Held-to-Maturity                                                                        
State and municipal securities(1)     2     $ -     $ 455       2     $ 1     $ 126       4     $ 1     $ 581  
Totals     2     $ -     $ 455       2     $ 1     $ 126       4     $ 1     $ 581  

 

(1) Aggregate unrealized loss position of these securities is less than $500.
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Loans (Tables)
 3 Months Ended
Mar. 31, 2016
Loans and Leases Receivable Disclosure [Abstract]  
Schedule of net loans
 

 

    March 31,     December 31,  
(In thousands)   2016     2015  
Real estate loans:                
Secured by one-to-four family residences   $ 178,677     $ 177,037  
Secured by multi-family residences     5,469       5,146  
Construction     1,544       1,251  
Commercial real estate     4,589       3,522  
Home equity lines of credit     15,087       14,523  
Total real estate loans     205,366       201,479  
Commercial and industrial loans     896       853  
Other loans     64       61  
Total loans     206,326       202,393  
Net deferred loan origination costs     237       248  
Less allowance for loan losses     (855 )     (811 )
Loans receivable, net   $ 205,708     $ 201,830  
Schedule of risk category of loans by class
 
    As of March 31, 2016  
          Special                    
(In thousands)   Pass     Mention     Substandard     Doubtful     Total  
Real estate loans:                                        
Secured by one-to-four family residences   $ 177,414     $ -     $ 1,263     $ -     $ 178,677  
Secured by multi-family residences     5,469       -       -       -       5,469  
Construction     1,544       -       -       -       1,544  
Commercial real estate     4,589       -       -       -       4,589  
Home equity lines of credit     14,790       -       297       -       15,087  
Total real estate loans     203,806       -       1,560       -       205,366  
Commercial & industrial loans     896       -       -       -       896  
Other loans     63       -       -       1       64  
Total loans   $ 204,765     $ -     $ 1,560     $ 1     $ 206,326  

 

    As of December 31, 2015  
          Special                    
(In thousands)   Pass     Mention     Substandard     Doubtful     Total  
Real estate loans:                                        
Secured by one-to-four family residences   $ 175,885     $ -     $ 1,152     $ -     $ 177,037  
Secured by multi-family residences     5,146       -       -       -       5,146  
Construction     1,251       -       -       -       1,251  
Commercial real estate     3,522       -       -       -       3,522  
Home equity lines of credit     14,223       -       300       -       14,523  
Total real estate loans     200,027       -       1,452       -       201,479  
Commercial & industrial loans     853       -       -       -       853  
Other loans     60       -       -       1       61  
Total loans   $ 200,940     $ -     $ 1,452     $ 1     $ 202,393  
 
Schedule of age of the loan delinquencies by type and by amount past due
 
    March 31, 2016  
    Less than Twelve Months     Twelve Months or More     Total  
    Number of                 Number of                 Number of              
    Individual     Unrealized     Fair     Individual     Unrealized     Fair     Individual     Unrealized     Fair  
(Dollars in thousands)   Securities     Losses     Value     Securities     Losses     Value     Securities     Losses     Value  
Available-for-Sale                                                                        
U.S. Government and agency obligations     -     $ -     $ -       -     $ -     $ -       -     $ -     $ -  
Mortgage-backed securities - residential     2       5       2,295       3       27       2,536       5       32       4,831  
Totals     2     $ 5     $ 2,295       3     $ 27     $ 2,536       5     $ 32     $ 4,831  
Held-to-Maturity                                                                        
State and municipal securities(1)     1     $ -     $ 81       1     $ -     $ 45       2     $ -     $ 126  
Totals     1     $ -     $ 81       1     $ -     $ 45       2     $ -     $ 126  

 

    December 31, 2015  
    Less than Twelve Months     Twelve Months or More     Total  
    Number of                 Number of                 Number of              
    Individual     Unrealized     Fair     Individual     Unrealized     Fair     Individual     Unrealized     Fair  
(Dollars in thousands)   Securities     Losses     Value     Securities     Losses     Value     Securities     Losses     Value  
Available-for-Sale                                                                        
U.S. Government and agency obligations     6     $ 32     $ 5,968       -     $ -     $ -       6     $ 32     $ 5,968  
Mortgage-backed securities - residential     5       61       6,283       1       14       821       6       75       7,104  
Totals     11     $ 93     $ 12,251       1     $ 14     $ 821       12     $ 107     $ 13,072  
Held-to-Maturity                                                                        
State and municipal securities(1)     2     $ -     $ 455       2     $ 1     $ 126       4     $ 1     $ 581  
Totals     2     $ -     $ 455       2     $ 1     $ 126       4     $ 1     $ 581  

 
XML 30 R20.htm IDEA: XBRL DOCUMENT v3.5.0.1
Allowance for Loan Losses and Foreclosed Real Estate (Tables)
 3 Months Ended
Mar. 31, 2016
Loans and Leases Receivable Disclosure [Abstract]  
Schedule of changes in the allowance for loan losses
    March 31, 2016                    
    Secured by     Secured by                                      
    one-to-four     multi-family                 Home equity                    
    family residences     residences     Construction     Commercial     lines of credit     Commercial     Other/        
(In thousands)   real estate loans     real estate loans     real estate loans     real estate loans     real estate loans     & industrial     Unallocated     Total  
Allowance for loan losses:                                                                
Beginning Balance   $ 524     $ 39     $ 6     $ 35     $ 101     $ 11     $ 95     $ 811  
Charge-offs     -       -       -       -       -       -       (1 )     (1 )
Recoveries     -       -       -       -       -       -       -       -  
Provisions     15       2       2       11       3       -       12       45  
Ending balance   $ 539     $ 41     $ 8     $ 46     $ 104     $ 11     $ 106     $ 855  

 

    March 31, 2015                    
    Secured by     Secured by                                      
    one-to-four     multi-family                 Home equity                    
    family residences     residences     Construction     Commercial     lines of credit     Commercial     Other/        
(In thousands)   real estate loans     real estate loans     real estate loans     real estate loans     real estate loans     & industrial     Unallocated     Total  
Allowance for loan losses:                                                                
Beginning Balance   $ 448     $ 29     $ 6     $ 14     $ 87     $ 1     $ 68     $ 653  
Charge-offs     -       -       -       -       -       -       -       -  
Recoveries     -       -       -       -       -       -       -       -  
Provisions     (7 )     -       (1 )     -     $ 10       -       36       38  
Ending balance   $ 441     $ 29     $ 5     $ 14     $ 97     $ 1     $ 104     $ 691  
XML 31 R21.htm IDEA: XBRL DOCUMENT v3.5.0.1
Fair Value Measurements (Tables)
 3 Months Ended
Mar. 31, 2016
Fair Value Disclosures [Abstract]  
Schedule of assets measured at fair value on a recurring basis

 

    March 31, 2016  
(In thousands)   Level 1     Level 2     Level 3     Total Fair Value  
Available-for-sale portfolio                                
U.S. Government and agency obligations   $ -     $ 6,089     $ -     $ 6,089  
Mortgage-backed securities – residential     -       13,195       -       13,195  
Total available-for-sale securities   $ -     $ 19,284     $ -     $ 19,284  

 

    December 31, 2015  
(In thousands)   Level 1     Level 2     Level 3     Total Fair Value  
Available-for-sale portfolio                                
U.S. Government and agency obligations   $ -     $ 5,968     $ -     $ 5,968  
Mortgage-backed securities – residential     -       14,000       -       14,000  
Total available-for-sale securities   $ -     $ 19,968     $ -     $ 19,968  
 
Schedule of carrying amounts and estimated fair values of the financial instruments
 
        March 31, 2016     December 31, 2015  
    Fair Value   Carrying     Estimated     Carrying     Estimated  
(In thousands)   Hierarchy   Amounts     Fair Values     Amounts     Fair Values  
Financial assets:                                    
Cash and due from banks   1   $ 1,623     $ 1,623     $ 1,550     $ 1,550  
Interest earning demand deposits   1     6,489       6,489       4,597       4,597  
Securities - available-for-sale   2     19,284       19,284       19,968       19,968  
Securities - held-to-maturity   2     9,556       9,804       12,979       13,222  
Investment in FHLB stock   2     2,415       2,415       2,388       2,388  
Loans held for sale   2     3,907       3,907       3,880       3,880  
Loans, net   3     205,708       205,590       201,830       201,886  
Accrued interest receivable   1     643       643       655       655  
                                     
Financial liabilities:                                    
Demand Deposits, Savings, NOW and MMDA   1     86,692       86,692       84,060       84,060  
Time Deposits   2     100,897       100,713       101,501       101,272  
Borrowings   2     46,697       46,443       46,092       46,447  
Accrued interest payable   1     63       63       60       60  
 
XML 32 R22.htm IDEA: XBRL DOCUMENT v3.5.0.1
Accumulated Other Comprehensive Income (Loss) (Tables)
 3 Months Ended
Mar. 31, 2016
Comprehensive Income Loss Note [Abstract]  
Schedule of accumulated other comprehensive income (loss)

 

    For the three months ended March 31, 2016  
(In thousands)   Unrealized Gains and Losses on
Available-for-Sale Securities		     Unrealized Loss on Securities
Transferred to  Held-to-Maturity		     Total  
Beginning balance   $ (4 )   $ (208 )   $ (212 )
Other comprehensive income before reclassifications     63       113       176  
Ending balance   $ 59     $ (95 )   $ (36 )

 

    For the three months ended March 31, 2015  
(In thousands)   Unrealized Gains and Losses on
Available-for-Sale Securities		     Securities reclassified from AFS
to HTM		     Total  
Beginning balance   $ 129     $ (355 )   $ (226 )
Other comprehensive income before reclassifications     6       7       13  
Ending balance   $ 135     $ (348 )   $ (213 )
XML 33 R23.htm IDEA: XBRL DOCUMENT v3.5.0.1
Basis of Presentation (Detail Textuals)
Mar. 02, 2016
$ / shares
shares
Basis Of Accounting [Line Items]  
Offering price (in dollars per share) | $ / shares $ 10.00
Ownership percentage owned by public stockholders 100.00%
Minimum  
Basis Of Accounting [Line Items]  
Number of common stock issued 765,000
Number of shares received 0.8041
Maximum  
Basis Of Accounting [Line Items]  
Number of common stock issued 1,035,000
Number of shares received 1.0879
FSB Community Bankshares, MHC  
Basis Of Accounting [Line Items]  
Ownership percentage 100.00%
XML 34 R24.htm IDEA: XBRL DOCUMENT v3.5.0.1
Earnings (Loss) Per Common Share (Details) - USD ($)
$ / shares in Units, shares in Thousands, $ in Thousands
 3 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Basic Earnings Per Common Share    
Net income available to common stockholders $ 77 $ 87
Weighted average common shares outstanding 1,742 1,739
Basic earnings per common share (in dollars per share) $ 0.04 $ 0.05
XML 35 R25.htm IDEA: XBRL DOCUMENT v3.5.0.1
Investment Securities - Amortized cost and estimated fair value of securities with gross unrealized gains and losses (Details) - USD ($)
$ in Thousands
Mar. 31, 2016
Dec. 31, 2015
Available-for-Sale Portfolio    
Amortized cost $ 19,194 $ 19,974
Gross unrealized gains 122 101
Gross unrealized losses (32) (107)
Fair Value 19,284 19,968
Held-to-Maturity Portfolio    
Amortized cost 9,556 12,979
Gross unrealized gains $ 248 244
Gross unrealized losses (1)
Fair Value $ 9,804 13,222
U.S. Government and agency obligations    
Available-for-Sale Portfolio    
Amortized cost 6,077 $ 6,000
Gross unrealized gains $ 12
Gross unrealized losses $ (32)
Fair Value $ 6,089 5,968
Held-to-Maturity Portfolio    
Amortized cost 3,405 6,793
Gross unrealized gains $ 102 $ 129
Gross unrealized losses
Fair Value $ 3,507 $ 6,922
Mortgage-backed securities - residential    
Available-for-Sale Portfolio    
Amortized cost 13,117 13,974
Gross unrealized gains 110 101
Gross unrealized losses (32) (75)
Fair Value 13,195 14,000
Held-to-Maturity Portfolio    
Amortized cost 1,504 1,535
Gross unrealized gains $ 39 $ 39
Gross unrealized losses
Fair Value $ 1,543 $ 1,574
State and Municipal securities    
Held-to-Maturity Portfolio    
Amortized cost 4,647 4,651
Gross unrealized gains $ 107 76
Gross unrealized losses (1)
Fair Value $ 4,754 $ 4,726
XML 36 R26.htm IDEA: XBRL DOCUMENT v3.5.0.1
Investment Securities - Amortized cost and estimated fair value by contractual maturity of debt securities (Details 1) - USD ($)
$ in Thousands
Mar. 31, 2016
Dec. 31, 2015
Available-for-Sale Amortized Cost    
Due in one year or less  
Due after one year through five years $ 1,000  
Due after five years through ten years 3,167  
Due after ten years 1,910  
Sub-total 6,077  
Amortized cost $ 19,194 $ 19,974
Available-for-Sale Fair Value    
Due in one year or less  
Due after one year through five years $ 1,001  
Due after five years through ten years 3,173  
Due after ten years 1,915  
Sub-total 6,089  
Fair Value 19,284 19,968
Held-to-Maturity Amortized Cost    
Due in one year or less 156  
Due after one year through five years 2,438  
Due after five years through ten years 4,503  
Due after ten years 955  
Sub-total 8,052  
Amortized cost 9,556 12,979
Held-to-Maturity Fair Value    
Due in one year or less 158  
Due after one year through five years 2,489  
Due after five years through ten years 4,614  
Due after ten years 1,000  
Sub-total 8,261  
Fair Value 9,804 13,222
Mortgage-backed securities - residential    
Available-for-Sale Amortized Cost    
Amortized cost 13,117 13,974
Available-for-Sale Fair Value    
Fair Value 13,195 14,000
Held-to-Maturity Amortized Cost    
Amortized cost 1,504 1,535
Held-to-Maturity Fair Value    
Fair Value $ 1,543 $ 1,574
XML 37 R27.htm IDEA: XBRL DOCUMENT v3.5.0.1
Investment Securities - Gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position (Details 2)
$ in Thousands
Mar. 31, 2016
USD ($)
Security
Securities
Dec. 31, 2015
USD ($)
Security
Securities
Available-for-Sale    
Less than Twelve Months Number of individual securities | Security 2 11
Less than Twelve Months, unrealized losses $ 5 $ 93
Less than Twelve Months, fair value $ 2,295 $ 12,251
Twelve Months or More Number of individual securities | Security 3 1
Twelve Months or More, unrealized losses $ 27 $ 14
Twelve Months or More, fair value $ 2,536 $ 821
Total Number of Individual Securities | Security 5 12
Total Unrealized Losses $ 32 $ 107
Total Fair Value $ 4,831 $ 13,072
Held-to-Maturity    
Less than Twelve Months Number of individual securities | Securities 1 2
Less than Twelve Months, Unrealized Losses
Less than Twelve Months, Fair Value $ 81 $ 455
Twelve Months or More Number of individual securities | Securities 1 2
Twelve Months or More, Unrealized Losses $ 1
Twelve Months or More, Fair Value $ 45 $ 126
Total Number of Individual Securities | Securities 2 4
Total Unrealized Losses $ 1
Total Fair Value $ 126 $ 581
U.S. Government and agency obligations    
Available-for-Sale    
Less than Twelve Months Number of individual securities | Security 6
Less than Twelve Months, unrealized losses $ 32
Less than Twelve Months, fair value $ 5,968
Twelve Months or More Number of individual securities | Security
Twelve Months or More, unrealized losses
Twelve Months or More, fair value
Total Number of Individual Securities | Security 6
Total Unrealized Losses $ 32
Total Fair Value $ 5,968
Mortgage-backed securities - residential    
Available-for-Sale    
Less than Twelve Months Number of individual securities | Security 2 5
Less than Twelve Months, unrealized losses $ 5 $ 61
Less than Twelve Months, fair value $ 2,295 $ 6,283
Twelve Months or More Number of individual securities | Security 3 1
Twelve Months or More, unrealized losses $ 27 $ 14
Twelve Months or More, fair value $ 2,536 $ 821
Total Number of Individual Securities | Security 5 6
Total Unrealized Losses $ 32 $ 75
Total Fair Value $ 4,831 $ 7,104
State and Municipal securities    
Held-to-Maturity    
Less than Twelve Months Number of individual securities | Security [1] 1 2
Less than Twelve Months, Unrealized Losses [1]
Less than Twelve Months, Fair Value [1] $ 81 $ 455
Twelve Months or More Number of individual securities | Security [1] 1 2
Twelve Months or More, Unrealized Losses [1] $ 1
Twelve Months or More, Fair Value [1] $ 45 $ 126
Total Number of Individual Securities | Securities [1] 2 4
Total Unrealized Losses [1] $ 1
Total Fair Value [1] $ 126 $ 581
[1] Aggregate unrealized loss position of these securities is less than $500.
XML 38 R28.htm IDEA: XBRL DOCUMENT v3.5.0.1
Investment Securities - Gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position (Parentheticals) (Details 2)
 3 Months Ended
Mar. 31, 2016
USD ($)
State and Municipal securities  
Available For Sale And Held To Maturity Securities Unrealized Loss Position [Line Items]  
Aggregate unrealized loss position $ 500
XML 39 R29.htm IDEA: XBRL DOCUMENT v3.5.0.1
Investment Securities (Detail Textuals) - Security
Mar. 31, 2016
Dec. 31, 2015
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]    
Number of securities in unrealized loss position 7 16
Number of securities in unrealized loss position in for less than twelve months 3 13
Number of securities in unrealized loss position in for greater than twelve months 4 3
Mortgage-backed securities - residential    
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]    
Number of securities in unrealized loss position in for less than twelve months 2  
Number of securities in unrealized loss position in for greater than twelve months 3  
XML 40 R30.htm IDEA: XBRL DOCUMENT v3.5.0.1
Loans - Major classifications of loans (Details) - USD ($)
$ in Thousands
Mar. 31, 2016
Dec. 31, 2015
Mar. 31, 2015
Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Less: Allowance for loan losses $ (855) $ (811)    
Loans        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Total loans 206,326 202,393    
Net deferred loan origination costs 237 248    
Less: Allowance for loan losses (855) (811) $ (691) $ (653)
Loans, net 205,708 201,830    
Loans | Real Estate Loans        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Total loans 205,366 201,479    
Loans | Real Estate Loans | Secured by one-to-four family residences        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Total loans 178,677 177,037    
Less: Allowance for loan losses (539) (524) (441) (448)
Loans | Real Estate Loans | Secured by multi-family residences        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Total loans 5,469 5,146    
Less: Allowance for loan losses (41) (39) (29) (29)
Loans | Real Estate Loans | Construction        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Total loans 1,544 1,251    
Less: Allowance for loan losses (8) (6) (5) (6)
Loans | Real Estate Loans | Commercial real estate        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Total loans 4,589 3,522    
Less: Allowance for loan losses (46) (35) (14) (14)
Loans | Real Estate Loans | Home equity lines of credit        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Total loans 15,087 14,523    
Less: Allowance for loan losses (104) (101) (97) (87)
Loans | Other Loans Portfolio Segment        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Total loans 960 914    
Loans | Other Loans Portfolio Segment | Commercial and industrial        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Total loans 896 853    
Less: Allowance for loan losses (11) (11) $ (1) $ (1)
Loans | Other Loans Portfolio Segment | Other loans        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Total loans $ 64 $ 61    
XML 41 R31.htm IDEA: XBRL DOCUMENT v3.5.0.1
Loans - Risk category of loans by class (Details 1) - Loans - USD ($)
$ in Thousands
Mar. 31, 2016
Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 206,326 $ 202,393
Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 204,765 $ 200,940
Special Mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans
Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 1,560 $ 1,452
Doubtful    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans 1 1
Real Estate Loans    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans 205,366 201,479
Real Estate Loans | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 203,806 $ 200,027
Real Estate Loans | Special Mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans
Real Estate Loans | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 1,560 $ 1,452
Real Estate Loans | Doubtful    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans
Real Estate Loans | Secured by one-to-four family residences    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 178,677 $ 177,037
Real Estate Loans | Secured by one-to-four family residences | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 177,414 $ 175,885
Real Estate Loans | Secured by one-to-four family residences | Special Mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans
Real Estate Loans | Secured by one-to-four family residences | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 1,263 $ 1,152
Real Estate Loans | Secured by one-to-four family residences | Doubtful    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans
Real Estate Loans | Secured by multi-family residences    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 5,469 $ 5,146
Real Estate Loans | Secured by multi-family residences | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 5,469 $ 5,146
Real Estate Loans | Secured by multi-family residences | Special Mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans
Real Estate Loans | Secured by multi-family residences | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans
Real Estate Loans | Secured by multi-family residences | Doubtful    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans
Real Estate Loans | Construction    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 1,544 $ 1,251
Real Estate Loans | Construction | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 1,544 $ 1,251
Real Estate Loans | Construction | Special Mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans
Real Estate Loans | Construction | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans
Real Estate Loans | Construction | Doubtful    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans
Real Estate Loans | Commercial real estate    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 4,589 $ 3,522
Real Estate Loans | Commercial real estate | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 4,589 $ 3,522
Real Estate Loans | Commercial real estate | Special Mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans
Real Estate Loans | Commercial real estate | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans
Real Estate Loans | Commercial real estate | Doubtful    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans
Real Estate Loans | Home equity lines of credit    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 15,087 $ 14,523
Real Estate Loans | Home equity lines of credit | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 14,790 $ 14,223
Real Estate Loans | Home equity lines of credit | Special Mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans
Real Estate Loans | Home equity lines of credit | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 297 $ 300
Real Estate Loans | Home equity lines of credit | Doubtful    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans
Other Loans Portfolio Segment    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 960 $ 914
Other Loans Portfolio Segment | Commercial & industrial loans    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans 896 853
Other Loans Portfolio Segment | Commercial & industrial loans | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 896 $ 853
Other Loans Portfolio Segment | Commercial & industrial loans | Special Mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans
Other Loans Portfolio Segment | Commercial & industrial loans | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans
Other Loans Portfolio Segment | Commercial & industrial loans | Doubtful    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans
Other Loans Portfolio Segment | Other loans    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 64 $ 61
Other Loans Portfolio Segment | Other loans | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 63 $ 60
Other Loans Portfolio Segment | Other loans | Special Mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans
Other Loans Portfolio Segment | Other loans | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans
Other Loans Portfolio Segment | Other loans | Doubtful    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 1 $ 1
XML 42 R32.htm IDEA: XBRL DOCUMENT v3.5.0.1
Loans - Analysis of the age of the loan delinquencies by type and by amount past due (Details 3) - Loans - USD ($)
$ in Thousands
Mar. 31, 2016
Dec. 31, 2015
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due $ 227 $ 209
Current 206,099 202,184
Loans 206,326 202,393
30-59 Days Past Due And Accruing    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due $ 91 $ 127
60-89 Days Past Due And Accruing    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
90 Days and Over    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due $ 136 $ 82
Real Estate Loans    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 226 199
Current 205,140 201,280
Loans 205,366 201,479
Real Estate Loans | 30-59 Days Past Due And Accruing    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due $ 90 $ 118
Real Estate Loans | 60-89 Days Past Due And Accruing    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Real Estate Loans | 90 Days and Over    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due $ 136 $ 81
Real Estate Loans | Secured by one-to-four family residences    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 208 181
Current 178,469 176,856
Loans 178,677 177,037
Real Estate Loans | Secured by one-to-four family residences | 30-59 Days Past Due And Accruing    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due $ 90 $ 118
Real Estate Loans | Secured by one-to-four family residences | 60-89 Days Past Due And Accruing    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Real Estate Loans | Secured by one-to-four family residences | 90 Days and Over    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due $ 118 $ 63
Real Estate Loans | Secured by multi-family residences    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Current $ 5,469 $ 5,146
Loans $ 5,469 $ 5,146
Real Estate Loans | Secured by multi-family residences | 30-59 Days Past Due And Accruing    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Real Estate Loans | Secured by multi-family residences | 60-89 Days Past Due And Accruing    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Real Estate Loans | Secured by multi-family residences | 90 Days and Over    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Real Estate Loans | Construction    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Current $ 1,544 $ 1,251
Loans $ 1,544 $ 1,251
Real Estate Loans | Construction | 30-59 Days Past Due And Accruing    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Real Estate Loans | Construction | 60-89 Days Past Due And Accruing    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Real Estate Loans | Construction | 90 Days and Over    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Real Estate Loans | Commercial    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Current $ 4,589 $ 3,522
Loans $ 4,589 $ 3,522
Real Estate Loans | Commercial | 30-59 Days Past Due And Accruing    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Real Estate Loans | Commercial | 60-89 Days Past Due And Accruing    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Real Estate Loans | Commercial | 90 Days and Over    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Real Estate Loans | Home equity lines of credit    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due $ 18 $ 18
Current 15,069 14,505
Loans $ 15,087 $ 14,523
Real Estate Loans | Home equity lines of credit | 30-59 Days Past Due And Accruing    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Real Estate Loans | Home equity lines of credit | 60-89 Days Past Due And Accruing    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Real Estate Loans | Home equity lines of credit | 90 Days and Over    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due $ 18 $ 18
Other Loans Portfolio Segment    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Loans $ 960 914
Other Loans Portfolio Segment | Commercial & industrial loans    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due  
Loans $ 896 $ 853
Other Loans Portfolio Segment | Commercial & industrial loans | 30-59 Days Past Due And Accruing    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Other Loans Portfolio Segment | Commercial & industrial loans | 60-89 Days Past Due And Accruing    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Other Loans Portfolio Segment | Commercial & industrial loans | 90 Days and Over    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Other Loans Portfolio Segment | Other loans    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due $ 1 $ 10
Current 63 51
Loans $ 64 61
Other Loans Portfolio Segment | Other loans | 30-59 Days Past Due And Accruing    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due $ 9
Other Loans Portfolio Segment | Other loans | 60-89 Days Past Due And Accruing    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Other Loans Portfolio Segment | Other loans | 90 Days and Over    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due $ 1 $ 1
XML 43 R33.htm IDEA: XBRL DOCUMENT v3.5.0.1
Loans (Detail Textuals)
Mar. 31, 2016
USD ($)
Loan
Dec. 31, 2015
USD ($)
Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans serviced for others $ 90,900,000 $ 85,900,000
Other Assets    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Fair value of mortgage servicing rights 598,000 561,000
Loans | Residential mortgage loans    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Carrying value of loans pledged as collateral $ 163,300,000 $ 168,200,000
Loans | Secured by one-to-four family residences    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Number of nonaccrual loans | Loan 1 1
Financing receivable, recorded Investment, nonaccrual status $ 89,000 $ 63,000
Loans | Home equity lines of credit    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Number of nonaccrual loans | Loan 1 1
Financing receivable, recorded Investment, nonaccrual status $ 18,000 $ 18,000
Loans | Home equity loan    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Number of nonaccrual loans | Loan 1  
Financing receivable, recorded Investment, nonaccrual status $ 29,000  
Loans | Line of credit    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Number of nonaccrual loans | Loan   1
Financing receivable, recorded Investment, nonaccrual status   $ 1,000
XML 44 R34.htm IDEA: XBRL DOCUMENT v3.5.0.1
Allowance for Loan Losses and Foreclosed Real Estate - Allowance for loan losses allocated by loan class and the activity (Details) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Allowance for Loan and Lease Losses [Roll Forward]    
Beginning Balance $ 811  
Provisions 45 $ 38
Ending Balance 855  
Loans    
Allowance for Loan and Lease Losses [Roll Forward]    
Beginning Balance 811 $ 653
Charge Offs $ (1)
Recoveries
Provisions $ 45 $ 38
Ending Balance 855 691
Loans | Real Estate Loans | Secured by one-to-four family residences    
Allowance for Loan and Lease Losses [Roll Forward]    
Beginning Balance $ 524 $ 448
Charge Offs
Recoveries
Provisions $ 15 $ (7)
Ending Balance 539 441
Loans | Real Estate Loans | Secured by multi-family residences    
Allowance for Loan and Lease Losses [Roll Forward]    
Beginning Balance $ 39 $ 29
Charge Offs
Recoveries
Provisions $ 2
Ending Balance 41 $ 29
Loans | Real Estate Loans | Construction    
Allowance for Loan and Lease Losses [Roll Forward]    
Beginning Balance $ 6 $ 6
Charge Offs
Recoveries
Provisions $ 2 $ (1)
Ending Balance 8 5
Loans | Real Estate Loans | Commercial    
Allowance for Loan and Lease Losses [Roll Forward]    
Beginning Balance $ 35 $ 14
Charge Offs
Recoveries
Provisions $ 11
Ending Balance 46 $ 14
Loans | Real Estate Loans | Home equity lines of credit    
Allowance for Loan and Lease Losses [Roll Forward]    
Beginning Balance $ 101 $ 87
Charge Offs
Recoveries
Provisions $ 3 $ 10
Ending Balance 104 97
Loans | Other Loans Portfolio Segment | Commercial & industrial loans    
Allowance for Loan and Lease Losses [Roll Forward]    
Beginning Balance $ 11 $ 1
Charge Offs
Recoveries
Provisions
Ending Balance $ 11 $ 1
Loans | Other/Unallocated    
Allowance for Loan and Lease Losses [Roll Forward]    
Beginning Balance 95 $ 68
Charge Offs $ (1)
Recoveries
Provisions $ 12 $ 36
Ending Balance $ 106 $ 104
XML 45 R35.htm IDEA: XBRL DOCUMENT v3.5.0.1
Fair Value Measurements - Fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy (Details) - USD ($)
$ in Thousands
Mar. 31, 2016
Dec. 31, 2015
Available-for-Sale Portfolio    
Securities available for sale $ 19,284 $ 19,968
Fair Value, Measurements, Recurring | Total Fair Value    
Available-for-Sale Portfolio    
Securities available for sale 19,284 19,968
Fair Value, Measurements, Recurring | Total Fair Value | U.S. Government and agency obligations    
Available-for-Sale Portfolio    
Securities available for sale 6,089 5,968
Fair Value, Measurements, Recurring | Total Fair Value | Mortgage-backed securities - residential    
Available-for-Sale Portfolio    
Securities available for sale $ 13,195 $ 14,000
Fair Value, Measurements, Recurring | Level 1    
Available-for-Sale Portfolio    
Securities available for sale
Fair Value, Measurements, Recurring | Level 1 | U.S. Government and agency obligations    
Available-for-Sale Portfolio    
Securities available for sale
Fair Value, Measurements, Recurring | Level 1 | Mortgage-backed securities - residential    
Available-for-Sale Portfolio    
Securities available for sale
Fair Value, Measurements, Recurring | Level 2    
Available-for-Sale Portfolio    
Securities available for sale $ 19,284 $ 19,968
Fair Value, Measurements, Recurring | Level 2 | U.S. Government and agency obligations    
Available-for-Sale Portfolio    
Securities available for sale 6,089 5,968
Fair Value, Measurements, Recurring | Level 2 | Mortgage-backed securities - residential    
Available-for-Sale Portfolio    
Securities available for sale $ 13,195 $ 14,000
Fair Value, Measurements, Recurring | Level 3    
Available-for-Sale Portfolio    
Securities available for sale
Fair Value, Measurements, Recurring | Level 3 | U.S. Government and agency obligations    
Available-for-Sale Portfolio    
Securities available for sale
Fair Value, Measurements, Recurring | Level 3 | Mortgage-backed securities - residential    
Available-for-Sale Portfolio    
Securities available for sale
XML 46 R36.htm IDEA: XBRL DOCUMENT v3.5.0.1
Fair Value Measurements - Carrying amounts and estimated fair values of the financial instruments (Details 1) - USD ($)
$ in Thousands
Mar. 31, 2016
Dec. 31, 2015
Financial assets:    
Interest earning demand deposits $ 6,489 $ 4,597
Securities available for sale 19,284 19,968
Securities - held-to-maturity 9,556 12,979
Carrying Amount | Level 1    
Financial assets:    
Cash and due from banks 1,623 1,550
Interest earning demand deposits 6,489 4,597
Accrued interest receivable 643 655
Financial liabilities:    
Demand Deposits, Savings, NOW and MMDA 86,692 84,060
Accrued interest payable 63 60
Carrying Amount | Level 2    
Financial assets:    
Securities available for sale 19,284 19,968
Securities - held-to-maturity 9,556 12,979
Investment in FHLB stock 2,415 2,388
Loans held for sale 3,907 3,880
Financial liabilities:    
Time Deposits 100,897 101,501
Borrowings 46,697 46,092
Carrying Amount | Level 3    
Financial assets:    
Loans, net 205,708 201,830
Fair Value | Level 1    
Financial assets:    
Cash and due from banks 1,623 1,550
Interest earning demand deposits 6,489 4,597
Accrued interest receivable 643 655
Financial liabilities:    
Demand Deposits, Savings, NOW and MMDA 86,692 84,060
Accrued interest payable 63 60
Fair Value | Level 2    
Financial assets:    
Securities available for sale 19,284 19,968
Securities - held-to-maturity 9,804 13,222
Investment in FHLB stock 2,415 2,388
Loans held for sale 3,907 3,880
Financial liabilities:    
Time Deposits 100,713 101,272
Borrowings 46,443 46,447
Fair Value | Level 3    
Financial assets:    
Loans, net $ 205,590 $ 201,886
XML 47 R37.htm IDEA: XBRL DOCUMENT v3.5.0.1
Accumulated Other Comprehensive Income (Loss) (Details) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2016
Mar. 31, 2015
AOCI Attributable to Parent, Net of Tax [Roll Forward]    
Unrealized Gains and Losses on Available-for-Sale Securities, Beginning balance $ (4) $ 129
Unrealized Gains and Losses on Available-for-Sale Securities, Other comprehensive income before reclassifications 96 10
Unrealized Gains and Losses on Available-for-Sale Securities, Ending balance 59 135
Unrealized Loss on Securities Transferred to Held-to-Maturity, Beginning balance (208) (355)
Unrealized Loss on Securities Transferred to Held-to-Maturity, Other comprehensive income before reclassifications 113 7
Unrealized Loss on Securities Transferred to Held-to-Maturity, Ending balance (95) (348)
Accumulated Other Comprehensive Income (Loss), Net of Tax, Beginning Balance (212) (226)
Other comprehensive income before reclassifications 176 13
Accumulated Other Comprehensive Income (Loss), Net of Tax, Ending Balance $ (36) $ (213)
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