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Profile - RFS Bancorp, Inc. (OTC BB:RFED.OB)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | SEC | Insider | Financials
Location
310 Broadway
Revere, MA 02151
Phone: (781) 284-7777
Fax: (781) 289-8066
Employees (last reported count): 32
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: S&Ls/Savings Banks
Related Links
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Ownership
·Insider and 5%+ Owners: 66%
·Institutional: 3% (9% of float)
(one institution)
·Net Inst. Buying: 27.0K shares (+50.00%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
RFS Bancorp, Inc. is the holding company for Revere Federal Savings Bank, a federally chartered stock savings association that conducts business from its main office located in Revere, Massachusetts, and a branch office located in Chelsea, Massachusetts. The Company is engaged principally in the business of attracting deposits from the general public and investing those deposits in residential real estate loans and in consumer and small business loans. The Company also invests in long- and short-term investment grade marketable securities and other liquid investments. At September 30, 2000, the Company had total assets of $136.9 million, total deposits of $92.4 million and total equity of $10.2 million.
More from Market Guide: Expanded Business Description

Financial Summary
RFED, operating two branches in MA, is a federally chartered stock S&L attracting deposits and investing in mortgage loans secured by residential and commercial real estate. For the nine months ended 6/30/01, interest income rose 23% to $7.9 million. Net interest income after loan loss provision rose 18% to $3.5 million. Net income fell 62% to $170 thousand. Results reflect the increase in interest-earnings assets, offset by higher interest and personnel expenses.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Arno Bommer, 73
Chairman
--  
James McCarthy, 40
Pres, CEO
$167K
Ernest Becker, 70
Vice Chairman
--  
Anthony Patti, 45
CFO, Exec. VP
118K
Judith Tenaglia, 48
Treasurer
--  
Dollar amounts are as of 30-Sep-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- OTC BB:RFED.OBAs of 31-Aug-2001
Price and Volume
52-Week Low
on 4-Jan-2001
$7.25 
Recent Price$22.00 
52-Week High
on 14-June-2001
$22.10 
Beta0.50 
Daily Volume (3-month avg)409 
Daily Volume (10-day avg)2,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+162.7%
52-Week Change
relative to S&P500
+252.4%
Share-Related Items
Market Capitalization$19.5M
Shares Outstanding885.0K
Float300.0K
Dividends & Splits
Annual Dividendnone 
Last Splitnone 
Per-Share Data
Book Value (mrq)$12.27 
Earnings (ttm)$0.34 
Earnings (mrq)-$0.14 
Sales (ttm)$11.99 
Cash (mrq)$7.99 
Valuation Ratios
Price/Book (mrq)1.79 
Price/Earnings (ttm)65.48 
Price/Sales (ttm)1.84 
Income Statements
Sales (ttm)$10.4M
EBITDAN/A 
Income available to common (ttm)$287.0K
Profitability
Profit Margin (ttm)2.8%
Operating Margin (ttm)44.3%
Fiscal Year
Fiscal Year EndsSep 30
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.20%
Return on Equity (ttm)2.74%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$6.96M
Short Interest
Shares ShortN/A 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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