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Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Interest and dividend income    
Loans, including fees $ 6,397 $ 6,127
Investment securities    
Taxable 338 488
Federal Home Loan Bank of New York stock 37 46
Total interest and dividend income 6,772 6,661
Interest expense    
Deposits 1,446 1,438
Borrowings 196 190
Total interest expense 1,642 1,628
Net interest and dividend income 5,130 5,033
Provision for loan losses 210 201
Net interest and dividend income after provision for loan losses 4,920 4,832
Other income    
Service charges 265 321
Income on bank owned life insurance 82 74
Other operating income 31 31
Gains on sales of loans 26
Total other income 404 426
Other expenses    
Compensation and employee benefits 2,589 2,444
Occupancy expenses 744 740
Professional fees 349 291
Data processing expenses 154 153
OREO expenses 103 46
FDIC deposit insurance premiums 108 108
Loan servicing expenses 50 59
Insurance expense 52 53
Other expenses 384 400
Total other expenses 4,533 4,294
Income before income tax expense 791 964
Income tax expense 238 279
Net income $ 553 $ 685
Net income per share-basic and diluted $ 0.10 $ 0.12
Weighted average basic and diluted shares outstanding 5,820,746 5,820,746