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Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Mar. 31, 2018
Mar. 31, 2017
Mar. 31, 2018
Mar. 31, 2017
Interest and dividend income        
Loans, including fees $ 5,408 $ 5,010 $ 10,843 $ 10,008
Investment securities        
Taxable 416 392 837 771
Federal Home Loan Bank of New York stock 33 32 64 61
Total interest and dividend income 5,857 5,434 11,744 10,840
Interest expense        
Deposits 871 718 1,765 1,447
Borrowings 165 186 327 377
Total interest expense 1,036 904 2,092 1,824
Net interest and dividend income 4,821 4,530 9,652 9,016
Provision for loan losses 257 403 506 733
Net interest and dividend income after provision for loan losses 4,564 4,127 9,146 8,283
Other income        
Service charges 222 316 480 588
Income on bank owned life insurance 74 71 146 143
Other operating income 43 28 67 62
Gains on sales of loans 30 25 216 111
Gains on sales of investment securities 107
Total other income 369 440 1,016 904
Other expenses        
Compensation and employee benefits 2,443 2,270 4,801 4,492
Occupancy expenses 755 708 1,472 1,395
Professional fees 255 279 484 520
Data processing expenses 143 124 280 256
OREO expenses 168 76 400 255
FDIC deposit insurance premiums 95 128 205 258
Loan servicing expenses 78 68 158 116
Insurance expense 43 50 101 115
Other expenses 375 345 790 674
Total other expenses 4,355 4,048 8,691 8,081
Income before income tax expense 578 519 1,471 1,106
Income tax expense 182 219 746 458
Net income $ 396 $ 300 $ 725 $ 648
Net income per share-basic and diluted $ 0.07 $ 0.05 $ 0.12 $ 0.11