| Income Statement | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Interest and fees on loans | 20,722 | 20,409 | ||
| Taxable interest income | 1,293 | 1,142 | ||
| Interest income exempt from federal income taxes | 0 | 0 | ||
| Dividends | 60 | 117 | ||
| Interest on deposits in banks | 3,803 | 3,060 | ||
| Interest on federal funds sold | 55 | 87 | ||
| Total interest and dividend income | 25,933 | 24,815 | ||
| Interest on deposits | 7,886 | 8,263 | ||
| Interest on federal home loan bank advances | 494 | 499 | ||
| Interest on subordinated debt | 354 | 355 | ||
| Total interest expense | 8,734 | 9,117 | ||
| Net interest income (expense) | 17,199 | 15,698 | ||
| Provision for credit losses | 1,112 | 668 | ||
| Net interest income after provision for credit losses | 16,087 | 15,030 | ||
| Wealth management fees | 1,827 | 1,650 | ||
| Service charges on deposit accounts | 558 | 517 | ||
| Other service charges and fees | 1,151 | 1,060 | ||
| Gain (loss) on the sale of bank premises and equipment | 2 | 0 | ||
| (loss) on the sale of securities | 0 | 0 | ||
| Gain on sale of loans | 1,012 | 1,104 | ||
| Small business investment company income | 58 | 133 | ||
| Bank owned life insurance income | 268 | 278 | ||
| Other operating income | 293 | 175 | ||
| Total noninterest income (loss) | 5,165 | 4,917 | ||
| Salaries and employee benefits | 8,717 | 7,845 | ||
| Occupancy expenses | 691 | 598 | ||
| Equipment expenses | 437 | 401 | ||
| Advertising and marketing expenses | 317 | 152 | ||
| Stationery and supplies | 37 | 35 | ||
| Atm network fees | 327 | 332 | ||
| Loss on the sale of repossessed assets | 0 | 0 | ||
| Fdic assessment | 172 | 254 | ||
| Computer software expense | 389 | 325 | ||
| Bank franchise tax | 388 | 381 | ||
| Professional fees | 493 | 641 | ||
| Data processing fees | 469 | 633 | ||
| Other operating expenses | 1,907 | 1,802 | ||
| Total noninterest expenses | 14,344 | 13,399 | ||
| Income (loss) before income taxes | 6,908 | 6,548 | ||
| Income tax expense (benefit) | 1,324 | 1,278 | ||
| Net income (loss) | 5,584 | 5,270 | ||
| Earnings per share, basic | 1.04 | 0.98 | ||
| Earnings per share, diluted | 1.04 | 0.98 | ||
| Weighted average number of shares outstanding, basic | 5,376,346 | 5,378,214 | ||
| Weighted average number of shares outstanding, diluted | 5,376,346 | 5,378,214 | ||
EAGLE FINANCIAL SERVICES INC (EFSI)
EAGLE FINANCIAL SERVICES INC (EFSI)