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INCOME TAXES (Schedule of Major Sources of Temporary Differences and Their Deferred Tax Effect) (Details) - USD ($)
$ in Thousands
Sep. 30, 2020
Sep. 30, 2019
Temporary Differences and Deferred Tax Effect    
Allowance for loan losses $ 1,799 $ 1,374
Deferred loan fees 731 76
Unrealized loss, minimum pension liability 620 537
OREO 73 424
Straight line rent 110 118
Gross deferred tax asset 3,333 2,529
Depreciation (872) (931)
Discount accretion on investments (61) (89)
Employee benefits (37) (107)
Net unrealized gain, investment securities available-for-sale (17)
Mortgage servicing rights (3) (7)
Gross deferred tax liability (973) (1,151)
Net deferred tax asset $ 2,360 $ 1,378