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Income Overview

Net Income
$4,981K
EPS
$0.92
Unit: Thousand (K) dollars
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Interest and fees on loans
21,744
20,713
20,675*
20,722
Taxable interest income
1,188
1,230
752*
1,293
Interest income exempt from federal income taxes
0
0
3*
0
Dividends
67
76
123*
60
Interest on deposits in banks
1,200
1,698
1,311*
3,803
Interest on federal funds sold
176
109
22*
55
Total interest and dividend income
24,375
23,826
22,884*
25,933
Interest on deposits
7,050
7,225
7,956*
7,886
Interest on federal home loan bank advances
0
344
1,306*
494
Interest on subordinated debt
355
354
354*
354
Total interest expense
7,405
7,923
9,615*
8,734
Net interest income
16,970
15,903
13,269*
17,199
Provision for credit losses
3,503
1,961
1,031*
1,112
Net interest income after provision for credit losses
13,467
13,942
12,238*
16,087
Wealth management fees
2,197
1,782
2,242*
1,827
Service charges on deposit accounts
563
556
529*
558
Other service charges and fees
1,028
921
876*
1,151
(loss) on the sale of bank premises and equipment
4
0
16*
2
(loss) on the sale of securities
0
0
12,425*
0
Gain on sale of loans
646
1,012
201*
1,012
Gain on sale of other assets
3,486
-
-
-
Small business investment company income
110
266
-35*
58
Bank owned life insurance income
289
284
280*
268
Other operating income
275
107
110*
293
Total noninterest income (gain)
8,590
4,928
-8,240*
5,165
Salaries and employee benefits
9,212
8,229
9,251*
8,717
Occupancy expenses
613
666
681*
691
Equipment expenses
451
462
446*
437
Advertising and marketing expenses
295
191
158*
317
Stationery and supplies
30
46
26*
37
Atm network fees
326
327
357*
327
Other real estate owned expense
-
-
5*
-
Other real estate owned expense (gain), net
0
-5
-13*
-
Gain on sale of other assets
0
-39
-302*
0
Fdic assessment
169
227
309*
172
Computer software expense
422
354
298*
389
Bank franchise tax
530
481
371*
388
Professional fees
551
604
719*
493
Data processing fees
591
486
557*
469
Loan servicing expense
260
269
279*
-
Other operating expenses
2,081
1,836
488*
1,907
Total noninterest expenses
15,531
14,212
14,257*
14,344
Income (gain) before income taxes
6,526
4,658
-10,259*
6,908
Income tax expense (benefit)
1,545
918
-2,192*
1,324
Net income (gain)
4,981
3,740
-8,067
5,584
Basic EPS
0.92
0.69
-1.687
1.04
Diluted EPS
0.92
0.69
-1.687
1.04
Basic Average Shares
5,412,016
5,412,021
4,780,904
5,376,346
Diluted Average Shares
5,412,016
5,412,021
4,780,904
5,376,346
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

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Income Statement

Interest and fees on loans$21,744K (6.54%↑ Y/Y)Interest on deposits inbanks$1,200K (-60.78%↓ Y/Y)Taxable interest income$1,188K (4.03%↑ Y/Y)Interest on federal fundssold$176K (102.30%↑ Y/Y)Dividends$67K (-42.74%↓ Y/Y)Total interest anddividend income$24,375K (-1.77%↓ Y/Y)Net interest income$16,970K (8.10%↑ Y/Y)Gain on sale of otherassets$3,486K Wealth management fees$2,197K (33.15%↑ Y/Y)Other service chargesand fees$1,028K (-3.02%↓ Y/Y)Gain on sale of loans$646K (-41.49%↓ Y/Y)Service charges ondeposit accounts$563K (8.90%↑ Y/Y)Bank owned lifeinsurance income$289K (3.96%↑ Y/Y)Other operatingincome$275K (57.14%↑ Y/Y)Small businessinvestment company income$110K (-17.29%↓ Y/Y)Total interestexpense$7,405K (-18.78%↓ Y/Y)Net interest incomeafter provision for...$13,467K (-10.40%↓ Y/Y)Total noninterestincome (gain)$8,590K (74.70%↑ Y/Y)Provision for creditlosses$3,503K (424.40%↑ Y/Y)(loss) on the sale ofbank premises and...$4K Interest on deposits$7,050K (-14.68%↓ Y/Y)Interest on subordinateddebt$355K (0.00%↑ Y/Y)Income (gain) beforeincome taxes$6,526K (-0.34%↓ Y/Y)Total noninterestexpenses$15,531K (15.91%↑ Y/Y)Net income (gain)$4,981K (-5.48%↓ Y/Y)Income tax expense(benefit)$1,545K (20.89%↑ Y/Y)Salaries and employeebenefits$9,212K (17.43%↑ Y/Y)Other operatingexpenses$2,081K (15.48%↑ Y/Y)Occupancy expenses$613K (2.51%↑ Y/Y)Data processing fees$591K (-6.64%↓ Y/Y)Professional fees$551K (-14.04%↓ Y/Y)Bank franchise tax$530K (39.11%↑ Y/Y)Equipment expenses$451K (12.47%↑ Y/Y)Computer softwareexpense$422K (29.85%↑ Y/Y)Atm network fees$326K (-1.81%↓ Y/Y)Advertising and marketingexpenses$295K (94.08%↑ Y/Y)Loan servicingexpense$260K Fdic assessment$169K (-33.46%↓ Y/Y)Stationery and supplies$30K (-14.29%↓ Y/Y)

EAGLE FINANCIAL SERVICES INC (EFSI)

EAGLE FINANCIAL SERVICES INC (EFSI)