| Schedule of effective income tax rate |
| |
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|
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| |
|
September 30,
2012 |
|
|
September 30,
2011 |
|
| |
|
(Dollars in Thousands) |
|
|
Income tax (benefit) expense at federal statutory rate
|
|
$ |
499 |
|
|
$ |
— |
|
|
Increase (decrease) resulting from:
|
|
|
|
|
|
|
|
|
|
Tax-exempt interest
|
|
|
(274 |
) |
|
|
(305 |
) |
|
State income tax (benefit) expense, net of federal income tax benefit
|
|
|
43 |
|
|
|
(34 |
) |
|
Other
|
|
|
(111 |
) |
|
|
(72 |
) |
| |
|
|
|
|
|
|
|
|
|
Total
|
|
$ |
157 |
|
|
$ |
(411 |
) |
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|
|
|
|
|
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|