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Profile - EFC Bancorp, Inc. (AMEX:EFC)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | Research | SEC | Msgs | Insider
Recent Events
Aug 20Price hit new 52-week high ($12.39)
Location
1695 Larkin Avenue
Elgin, IL 60123
Phone: (847) 741-3900
Fax: (847) 741-3902
Employees (last reported count): 107
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
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 38%
·Over the last 6 months:
 · one insider buy; 1,000  shares
 · one insider sell; 4,000  shares
  (0.2% of insider shares)
·Institutional: 21% (34% of float)
(13 institutions)
·Net Inst. Buying: 30.0K shares (+2.97%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
EFC Bancorp, Inc. is the holding company for Elgin Financial Savings Bank and subsidiaries. The Bank's principal business consists of the acceptance of retail deposits from the general public in the areas surrounding its full-service branch offices and the investment of those deposits, together with funds generated from operations and borrowings, primarily in one to four-family residential mortgage loans and, to a lesser extent, multi-family and commercial real estate loans, construction and land loans, commercial business loans, home equity loans and automobile and passbook savings loans. The Bank originates all of its loans for investment and also invests primarily in government insured or guaranteed mortgage-backed securities and United States Government obligations. The Bank's primary sources of funds are retail savings deposits and, to a lesser extent, advances from the Federal Home Loan Bank of Chicago.
More from Market Guide: Expanded Business Description

Financial Summary
EFC is a savings and loan holding company for Elgin Financial Center, S.B. For the six months ended 6/30/01, total interest income rose 13% to $21.4 million. Net interest income after loan loss provision rose 3% to $8.4 million. Net income fell 5% to $1.9 million. Net interest income reflects higher average interest-earning assets, partially offset by a higher rate paid on deposits. Net income suffered from increased salaries and additional staff.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

John Brittain, 69
Chairman of Directors of the Company and the Bank
$197K
Barrett O'Connor, 60
Pres, CEO, Director
276K
Leo Flanagan, Jr., 58
Vice Chairman of Directors of the Company and the Bank
--  
James Kovac, 51
CFO, Exec. VP, Director and Exec. VP, Cheif Fina
238K
R.Scott Reining, 60
Sr. VP and Chief Commercial Lending Officer of the Bank
133K
Dollar amounts are as of 31-Dec-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 -- AMEX:EFCAs of 31-Aug-2001
Price and Volume
52-Week Low
on 30-Nov-2000
$8.75 
Recent Price$12.27 
52-Week High
on 20-Aug-2001
$12.39 
Beta0.37 
Daily Volume (3-month avg)2,318 
Daily Volume (10-day avg)2,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y]
52-Week Change+25.8%
52-Week Change
relative to S&P500
+68.8%
Share-Related Items
Market Capitalization$57.8M
Shares Outstanding4.71M
Float2.90M
Dividends & Splits
Annual Dividend (indicated)$0.50 
Dividend Yield4.08%
Last Splitnone 
Per-Share Data
Book Value (mrq)$14.39 
Earnings (ttm)$0.87 
Earnings (mrq)$0.23 
Sales (ttm)$9.74 
Cash (mrq)$0.51 
Valuation Ratios
Price/Book (mrq)0.85 
Price/Earnings (ttm)14.17 
Price/Sales (ttm)1.26 
Income Statements
Sales (ttm)$42.3M
EBITDAN/A 
Income available to common (ttm)$3.76M
Profitability
Profit Margin (ttm)8.9%
Operating Margin (ttm)38.6%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.64%
Return on Equity (ttm)5.64%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$2.42M
Short Interest
As of 8-Aug-2001
Shares Short1,000 
Percent of Float0.0%
Shares Short
(Prior Month)
0 
Short Ratio0.33 
Daily Volume3,000 
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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