EFSI 最新10-Q变化

相对上期新增的文字 · 来源:10-Q · 2026-08-10

• (1) Adjusted to exclude the gain on sale of other assets in connection with the Company's sale of its membership interest in Bearing and the loss on sale of securities in connection with the Company's balance sheet repositioning transactions recognized during the six months ended June 30, 2026 and 2…

• The Company's net income decreased during the three months ended June 30, 2026, compared to the three months ended June 30, 2025 primarily due to a higher provision for credit losses and increased noninterest expenses, mostly offset by an increase in noninterest income and improved net interest inco…

• During the six months ended June 30, 2026 the Company's net income increased compared to the six months ended June 30, 2025 primarily due to loss on the sale of available for sale securities totaling $12.4 million, or $9.8 million, net of tax, recognized during the prior year period. The 2026 year-t…

• Federal funds sold and interest-bearing deposits in other banks

• Income and yields are reported on a tax-equivalent basis using a federal tax rate of 21% (Non-GAAP).

相对上期删除的文字 · 来源:10-Q · 2026-05-11

• The Company's net income increased during the three months ended March 31, 2026, compared to the three months ended March 31, 2025 primarily due to the loss on the sale of available for sale securities totaling $12.4 million, or $9.8 million, net of tax, recognized during the prior year period. The …

• The year-over-year improvements in net interest income, tax-equivalent net interest income, net interest spread, and net interest margin primarily reflect a decrease in the average balances of interest-bearing liabilities and reductions in the average rates paid. Additionally, the impact of the bala…

• Net interest income, on a tax-equivalent basis, was $15.9 million and $13.4 million for the three months ended March 31, 2026 and 2025, respectively, an increase of $2.6 million, or 19.2%.

• The Company's net interest spread and net interest margin increased 67 basis points and 65 basis points, respectively, for the three months ended March 31, 2026 compared to three months ended March 31, 2025. These increases are primarily attributable to the repositioning of the securities portfolio …

• Total average balance of securities increased by $4.4 million for the three months ended March 31, 2026 from the average balance in the prior year period due to purchases exceeding routine paydowns and maturities in the portfolio. The average yield on securities increased 141 basis points during the…

相对上期删除的文字 · 来源:10-Q · 2026-05-11

• The Bank is a member in Bankers Title Shenandoah, LLC, which is an investor in Bearing Insurance Group, LLC ("Bearing"). On May 1, 2026, Bearing was sold to an unaffiliated third party. Based on the Company's ownership percentage in Bearing, a pre-tax gain of approximately $3.5 million is estimated …