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Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Interest and dividend income        
Loans, including fees $ 6,498 $ 6,442 $ 19,119 $ 18,794
Investment securities        
Taxable 263 432 942 1,466
Tax-exempt
Federal Home Loan Bank of New York stock 29 32 100 114
Total interest and dividend income 6,790 6,906 20,161 20,374
Interest expense        
Deposits 1,038 1,482 3,883 4,427
Borrowings 182 200 547 570
Total interest expense 1,220 1,682 4,430 4,997
Net interest and dividend income 5,570 5,224 15,731 15,377
Provision for loan losses 438 194 1,069 501
Net interest and dividend income after provision for loan losses 5,132 5,030 14,662 14,876
Other income        
Service charges 221 285 683 886
Income on bank owned life insurance 79 75 240 222
Other operating income 19 35 79 96
Gains on sales of loans 55 81 151
Gains on sales of investment securities 27 68 59
Total other income 374 422 1,151 1,414
Other expenses        
Compensation and employee benefits 2,538 2,581 7,709 7,541
Occupancy expenses 748 749 2,234 2,233
Professional fees 412 258 1,190 827
Data processing expenses 153 165 454 472
OREO expenses 335 12 467 273
FDIC deposit insurance premiums 142 114 358 330
Loan servicing expenses 75 65 212 171
Insurance expense 49 51 148 153
Other expenses 331 430 1,102 1,207
Total other expenses 4,783 4,425 13,874 13,207
Income before income tax expense 723 1,027 1,939 3,083
Income tax expense 214 301 572 905
Net income $ 509 $ 726 $ 1,367 $ 2,178
Net income per share-basic and diluted $ 0.09 $ 0.12 $ 0.24 $ 0.37
Weighted average basic and diluted shares outstanding 5,814,646 5,820,746 5,820,746 5,820,746