Table of Contents
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FRONT COVER
TIMBERLAND BRANCH LOCATIONS
LETTER TO SHAREHOLDERS
FINANCIAL HIGHLIGHTS
FORM 10-K
TABLE OF CONTENTS
PART I
Item 1. Business
General
Corporate Overview
Market Area
Lending Activities
Investment Activities
Deposit Activities and Other Sources of Funds
Bank Owned Life Insurance
How We Are Regulated
Taxation
Competition
Subsidiary Activities
Personnel
Executive Officers of the Registrant
Item 1A. Risk Factors
Item 1B. Unresolved Staff Comments
Item 2. Properties
Item 3. Legal Proceedings
Item 4. Mine Safety Disclosures
PART II
Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities
Item 6. Selected Financial Data
Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations
General
Special Note Regarding Forward-Looking Statements
Critical Accounting Policies and Estimates
New Accounting Pronouncements
Operating Strategy
Market Risk and Asset and Liability Management
Comparison of Financial Condition
Comparison of Operating Results for the Years Ended September 30, 2016 and 2015
Comparison of Operating Results for the Years Ended September 30, 2015 and 2014
Average Balances, Interest and Average Yields/Cost
Rate/Volume Analysis
Liquidity and Capital Resources
Effect of Inflation and Changing Prices
Item 7A. Quantitative and Qualitative Disclosures About Market Risk
Item 8. Financial Statements and Supplementary Data
Index to Consolidated Financial Statements
Report of Independent Registered Public Accounting Firm
Consolidated Balance Sheets
Consolidated Statements of Income
Consolidated Statements of Comprehensive Income
Consolidated Statements of Shareholders' Equity
Consolidated Statements of Cash Flows
Notes to Consolidated Financial Statements
Note 1 - Summary of Significant Accounting Policies
Note 2 - Restricted Assets
Note 3 - Investment Securities
Note 4 - Loans Receivable and Allowance for Loan Losses
Note 5 - MSRs
Note 6 - Premises and Equipment
Note 7 - OREO and Other Repossessed Assets
Note 8 - Deposits
Note 9 - FHLB Borrowings and Other Borrowings
Note 10 - Other Liabilities and Accrued Expenses
Note 11 - Federal Income Taxes
Note 12 - Employee Stock Ownership and 401(k) Plan
Note 13 - Stock Compensation Plans
Note 14 - Commitments and Contingencies
Note 15 - Significant Concentrations of Credit Risk
Note 16 - Regulatory Matters
Note 17 - Condensed Financial Information - Parent Company Only
Note 18 - Net Income Per Common Share
Note 19 - Accumulated Other Comprehensive Income (Loss)
Note 20 - Fair Value Measurements
Note 21 - Selected Quarterly Financial Data (Unaudited)
Item 9. Changes in and Disagreements With Accountants on Accounting and Financial Disclosure
Item 9A. Controls and Procedures
Item 9B. Other Information
PART III
Item 10. Directors, Executive Officers and Corporate Governance
Item 11. Executive Compensation
Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters
Item 13. Certain Relationships and Related Transactions, and Director Independence
Item 14. Principal Accounting Fees and Services
PART IV
Item 15. Exhibits and Financial Statement Schedules
Item 16. Form 10-K Summary
SIGNATURES
DIRECTORS AND OFFICERS
CORPORATE INFORMATION
BACK COVER