$EFSI
EAGLE FINANCIAL SERVICES INC

2021 Q4 Form 10-K Financial Statement

#000156459022012618 Filed on March 30, 2022

View on sec.gov

Income Statement

Concept 2021 Q4 2021 Q3 2021
Revenue $11.47M $10.78M $236.0K
YoY Change 14.76% 6.23% -99.39%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $510.0K $440.0K $996.0K
YoY Change 41.67% 29.41% -3.11%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $383.0K $1.677M
YoY Change -48.89%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $2.271M $3.457M $12.79M
YoY Change -20.59% -16.05% -3.91%
Income Tax -$10.00K $580.0K $1.766M
% Of Pretax Income -0.44% 16.78% 13.81%
Net Earnings $2.283M $2.873M $11.02M
YoY Change -8.9% -15.65% -1.35%
Net Earnings / Revenue 19.91% 26.65% 4669.92%
Basic Earnings Per Share $0.66 $0.83 $3.20
Diluted Earnings Per Share $0.66 $0.83 $3.20
COMMON SHARES
Basic Shares Outstanding 3.448M 3.440M
Diluted Shares Outstanding 3.448M 3.440M

Balance Sheet

Concept 2021 Q4 2021 Q3 2021
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $64.07M $68.41M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $18.25M $22.60M $23.50M
YoY Change -2.54% -1.74% 3.07%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $1.303B $1.253B $1.303B
YoY Change 15.3% 16.72% 15.29%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $5.100M $3.900M $5.100M
YoY Change 27.5% -4.88% 27.5%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $5.100M $3.900M $5.100M
YoY Change 27.5% -4.88% 27.5%
LONG-TERM LIABILITIES
Long-Term Debt $0.00 $0.00 $0.00
YoY Change
Other Long-Term Liabilities $10.40M $8.400M $10.40M
YoY Change 30.0% -16.0% 30.0%
Total Long-Term Liabilities $10.40M $8.400M $10.40M
YoY Change 30.0% -16.0% 30.0%
TOTAL LIABILITIES
Total Short-Term Liabilities $5.100M $3.900M $5.100M
Total Long-Term Liabilities $10.40M $8.400M $10.40M
Total Liabilities $1.193B $1.143B $1.193B
YoY Change 16.36% 17.91% 16.36%
SHAREHOLDERS EQUITY
Retained Earnings $89.76M
YoY Change 8.77%
Common Stock $8.556M
YoY Change 1.13%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $110.3M $109.8M $110.3M
YoY Change
Total Liabilities & Shareholders Equity $1.303B $1.253B $1.303B
YoY Change 15.3% 16.72% 15.29%

Cashflow Statement

Concept 2021 Q4 2021 Q3 2021
OPERATING ACTIVITIES
Net Income $2.283M $2.873M $11.02M
YoY Change -8.9% -15.65% -1.35%
Depreciation, Depletion And Amortization $510.0K $440.0K $996.0K
YoY Change 41.67% 29.41% -3.11%
Cash From Operating Activities $4.420M $4.290M $14.22M
YoY Change 26.29% 15.32% 29.21%
INVESTING ACTIVITIES
Capital Expenditures $80.00K -$200.0K $520.0K
YoY Change -200.0% 81.82% 14.04%
Acquisitions
YoY Change
Other Investing Activities -$54.61M -$70.48M -$190.5M
YoY Change 23.44% 190.16% -5.25%
Cash From Investing Activities -$54.54M -$70.66M -$191.0M
YoY Change 23.09% 189.47% -5.21%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 45.78M 30.32M 160.9M
YoY Change -19.26% -34.6% -32.03%
NET CHANGE
Cash From Operating Activities 4.420M 4.290M 14.22M
Cash From Investing Activities -54.54M -70.66M -191.0M
Cash From Financing Activities 45.78M 30.32M 160.9M
Net Change In Cash -4.340M -36.05M -15.85M
YoY Change -127.31% -240.44% -134.27%
FREE CASH FLOW
Cash From Operating Activities $4.420M $4.290M $14.22M
Capital Expenditures $80.00K -$200.0K $520.0K
Free Cash Flow $4.340M $4.490M $13.70M
YoY Change 21.23% 17.23% 29.87%

Facts In Submission

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CY2021 us-gaap Payments For Origination And Purchases Of Loans Held For Sale
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CY2021 us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
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CY2021 us-gaap Gain Loss On Sales Of Loans Net
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CY2021 us-gaap Gains Losses On Sales Of Other Real Estate
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CY2020 us-gaap Gains Losses On Sales Of Other Real Estate
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CY2020 us-gaap Gain Loss On Sale Of Property Plant Equipment
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5000
CY2020 us-gaap Gain Loss On Sale Of Other Assets
GainLossOnSaleOfOtherAssets
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CY2021 us-gaap Debt And Equity Securities Gain Loss
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CY2020 us-gaap Debt And Equity Securities Gain Loss
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CY2021 us-gaap Share Based Compensation
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CY2020 us-gaap Share Based Compensation
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CY2021 us-gaap Accretion Amortization Of Discounts And Premiums Investments
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CY2020 us-gaap Accretion Amortization Of Discounts And Premiums Investments
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CY2021 efsi Bank Owned Life Insurance Income Expense Net
BankOwnedLifeInsuranceIncomeExpenseNet
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CY2020 efsi Bank Owned Life Insurance Income Expense Net
BankOwnedLifeInsuranceIncomeExpenseNet
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CY2021 us-gaap Deferred Income Tax Expense Benefit
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CY2020 us-gaap Deferred Income Tax Expense Benefit
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CY2021 us-gaap Increase Decrease In Other Operating Assets
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CY2020 us-gaap Increase Decrease In Other Operating Assets
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CY2021 us-gaap Increase Decrease In Operating Liabilities
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CY2020 us-gaap Increase Decrease In Operating Liabilities
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CY2021 us-gaap Net Cash Provided By Used In Operating Activities
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CY2020 us-gaap Net Cash Provided By Used In Operating Activities
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CY2021 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
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CY2020 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
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CY2021 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
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CY2020 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
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CY2021 us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
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CY2020 us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
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CY2021 us-gaap Proceeds From Sale Of Restricted Investments
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CY2020 us-gaap Proceeds From Sale Of Restricted Investments
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CY2021 us-gaap Payments To Acquire Restricted Investments
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CY2020 us-gaap Payments To Acquire Restricted Investments
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CY2020 us-gaap Proceeds From Sale Of Property Plant And Equipment
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5000
CY2021 us-gaap Payments To Acquire Property Plant And Equipment
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520000
CY2020 us-gaap Payments To Acquire Property Plant And Equipment
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456000
CY2021 us-gaap Proceeds From Sale Of Other Real Estate
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672000
CY2020 us-gaap Proceeds From Sale Of Other Real Estate
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CY2020 us-gaap Proceeds From Sale Of Foreclosed Assets
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58000
CY2021 us-gaap Payments To Acquire Life Insurance Policies
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10000000
CY2020 us-gaap Payments To Acquire Life Insurance Policies
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12000000
CY2021 us-gaap Payments For Proceeds From Loans And Leases
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CY2021 us-gaap Increase Decrease In Loans Held For Sale
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248598000
CY2020 us-gaap Increase Decrease In Loans Held For Sale
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191411000
CY2021 us-gaap Net Cash Provided By Used In Investing Activities
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CY2020 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
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CY2021 us-gaap Increase Decrease In Other Deposits
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169211000
CY2020 us-gaap Increase Decrease In Other Deposits
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CY2021 us-gaap Increase Decrease In Time Deposits
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CY2020 us-gaap Increase Decrease In Time Deposits
IncreaseDecreaseInTimeDeposits
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CY2021 efsi Issuance Of Common Stock Employee Benefit Plan
IssuanceOfCommonStockEmployeeBenefitPlan
179000
CY2020 efsi Issuance Of Common Stock Employee Benefit Plan
IssuanceOfCommonStockEmployeeBenefitPlan
227000
CY2021 efsi Paymentsfor Retirement Of Common Stock
PaymentsforRetirementOfCommonStock
149000
CY2020 efsi Paymentsfor Retirement Of Common Stock
PaymentsforRetirementOfCommonStock
1854000
CY2021 us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
3261000
CY2020 us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
3198000
CY2021 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
160906000
CY2020 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
236729000
CY2021 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
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CY2020 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
46261000
CY2019Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
33659000
CY2021Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
64068000
CY2020Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
79920000
CY2021 us-gaap Interest Paid Net
InterestPaidNet
1682000
CY2020 us-gaap Interest Paid Net
InterestPaidNet
3351000
CY2021 us-gaap Income Taxes Paid
IncomeTaxesPaid
2816000
CY2020 us-gaap Income Taxes Paid
IncomeTaxesPaid
2618000
CY2021 us-gaap Unrealized Gain Loss On Investments
UnrealizedGainLossOnInvestments
-4346000
CY2020 us-gaap Unrealized Gain Loss On Investments
UnrealizedGainLossOnInvestments
2306000
CY2020 us-gaap Other Postretirement Benefits Expense Reversal Of Expense Noncash
OtherPostretirementBenefitsExpenseReversalOfExpenseNoncash
-30000
CY2021 us-gaap Transfer To Other Real Estate
TransferToOtherRealEstate
266000
CY2020 us-gaap Transfer To Other Real Estate
TransferToOtherRealEstate
503000
CY2021 us-gaap Stock Issued1
StockIssued1
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CY2020 us-gaap Stock Issued1
StockIssued1
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CY2021 us-gaap Increase Decrease In Deferred Leasing Fees
IncreaseDecreaseInDeferredLeasingFees
1404000
CY2020 us-gaap Increase Decrease In Deferred Leasing Fees
IncreaseDecreaseInDeferredLeasingFees
549000
CY2021Q4 efsi Consolidated Financial Ownership Wholly Owned Subsidiary Percentage
ConsolidatedFinancialOwnershipWhollyOwnedSubsidiaryPercentage
1
CY2021 efsi Sale Of Non Mortgage Loans
SaleOfNonMortgageLoans
100000000
CY2021 efsi Period Intereston Commercial Loans Discontinued
PeriodInterestonCommercialLoansDiscontinued
P90D
CY2021 efsi Credit Card Loans Charged Off After Past Due
CreditCardLoansChargedOffAfterPastDue
P180D
CY2021 us-gaap Concentration Risk Credit Risk
ConcentrationRiskCreditRisk
<p style="text-align:justify;margin-top:14pt;margin-bottom:0pt;text-indent:0%;font-weight:bold;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">Risks by Loan Portfolio Segments</p> <p style="text-align:justify;margin-top:5pt;margin-bottom:0pt;text-indent:0%;font-style:italic;font-family:Times New Roman;font-size:10pt;font-weight:normal;text-transform:none;font-variant: normal;">One-to-Four-Family Residential Real Estate Lending</p> <p style="text-align:justify;margin-top:5pt;margin-bottom:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Residential mortgage loans generally are made on the basis of the borrower’s ability to make repayment from employment and other income and are secured by real estate whose value tends to be readily ascertainable. As part of the application process, information is gathered concerning income, employment and credit history of the applicant. The valuation of residential collateral is provided by independent fee appraisers who have been approved by the Bank’s Directors Loan Committee.</p> <p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-style:italic;font-family:Times New Roman;font-size:10pt;font-weight:normal;text-transform:none;font-variant: normal;"><br/></p> <p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;"> </p> <p style="text-align:justify;margin-top:14pt;margin-bottom:0pt;text-indent:0%;font-style:italic;font-family:Times New Roman;font-size:10pt;font-weight:normal;text-transform:none;font-variant: normal;">Commercial Real Estate Lending </p> <p style="text-align:justify;margin-top:5pt;margin-bottom:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Commercial real estate lending entails significant additional risk as compared with residential mortgage lending. Commercial real estate loans typically involve larger loan balances concentrated with single borrowers or groups of related borrowers. Additionally, the repayment of loans secured by income producing properties is typically dependent on the successful operation of a business or a real estate project and thus may be subject, to a greater extent, to adverse conditions in the real estate market or the economy, in general.</p> <p style="text-align:justify;margin-top:14pt;margin-bottom:0pt;text-indent:0%;font-style:italic;font-family:Times New Roman;font-size:10pt;font-weight:normal;text-transform:none;font-variant: normal;">Construction and Land Development Lending</p> <p style="text-align:justify;margin-top:5pt;margin-bottom:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">There are two characteristics of construction lending which impact its overall risk as compared to residential mortgage lending. First, there is more concentration risk due to the extension of a large loan balance through several lines of credit to a single developer or contractor. Second, there is more collateral risk due to the fact that loan funds are provided to the borrower based upon the estimated value of the collateral after completion. This could cause an inaccurate estimate of the amount needed to complete construction or an excessive loan-to-value ratio. To mitigate the risks associated with construction lending, the Bank generally limits loan amounts to 80% of the estimated appraised value of the finished home.</p> <p style="text-align:justify;margin-top:14pt;margin-bottom:0pt;text-indent:0%;font-style:italic;font-family:Times New Roman;font-size:10pt;font-weight:normal;text-transform:none;font-variant: normal;">Commercial and Industrial Lending</p> <p style="text-align:justify;margin-top:5pt;margin-bottom:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Commercial business loans generally have more risk than residential mortgage loans,but have higher yields. To manage these risks, the Bank generally obtains appropriate collateral and personal guarantees from the borrower’s principal owners and monitors the financial condition of the borrower. Commercial business loans typically are made on the basis of the borrower’s ability to make repayment from cash flow from its business and are secured by business assets, such as accounts receivable, equipment, inventory and boats. As a result, the availability of funds for the repayment of commercial business loans is substantially dependent on the success of the business itself. Furthermore, the collateral for commercial business loans may depreciate over time and generally cannot be appraised with as much precision as residential real estate.</p> <p style="text-align:justify;margin-top:14pt;margin-bottom:0pt;text-indent:0%;font-style:italic;font-family:Times New Roman;font-size:10pt;font-weight:normal;text-transform:none;font-variant: normal;">Consumer Lending</p> <p style="text-align:justify;margin-bottom:12pt;margin-top:5pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Consumer loans generally entail greater risk than residential mortgage loans, particularly in the case of consumer loans which are unsecured or secured by rapidly depreciable assets such as automobiles. A portion of the Company’s consumer loans are also secured by boats. In such cases, any repossessed collateral on a defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance as a result of the greater likelihood of damage, loss or depreciation.</p> <p style="text-align:justify;margin-top:5pt;margin-bottom:0pt;text-indent:0%;font-style:italic;font-family:Times New Roman;font-size:10pt;font-weight:normal;text-transform:none;font-variant: normal;">Marine Lending</p> <p style="text-align:justify;margin-top:5pt;margin-bottom:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Bank’s marine lending unit, which includes originated retail loans, which are classified as commercial and industrial loans or consumer loans depending on borrower, and dealer floorplan loans, which are classified as commercial and industrial loans. The Company’s relationships are limited to well established dealers of global premium brand manufacturers. The Company’s top three manufacturer customers have been in business between 30 and 100 years. The Company primarily has secured agreements with premium manufacturers to support dealer floor plan loans which reduces the Company’s credit exposure to the dealer, despite its underwriting of each respective dealer. The Company has developed incentive retail pricing programs with the dealers to drive retail dealer flow. In addition to the repurchase agreements associated with floor plan lending, manufacturers will often support secondary resale values which can have the effect of reducing losses from non-performing retail marine loans. Retail borrowers generally have very high credit scores, substantial down payments, substantial net worth, personal liquidity, and excess cash flow.</p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;"> </p> <p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-style:italic;font-family:Times New Roman;font-size:10pt;font-weight:normal;text-transform:none;font-variant: normal;"><br/></p> <p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;"> </p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-style:italic;font-family:Times New Roman;font-size:10pt;font-weight:normal;text-transform:none;font-variant: normal;">Paycheck Protection Program Loans</p> <p style="text-align:justify;margin-top:5pt;margin-bottom:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In both 2021 and 2020, the Company participated in the Paycheck Protection Program (PPP).  The PPP commenced subsequent to the passage of the Coronavirus Aid, Relief and Economic Security("CARES") Act in March 2020 and was later expanded and extended by other legislation. The PPP was designed to provide U.S. small businesses with cash-flow assistance during the COVID-19 pandemic through loans that are fully guaranteed by the Small Business Administration (SBA) which may be forgiven upon satisfaction of certain criteria. As of December 31, 2021, the Company had 152 PPP loans with outstanding balances totaling $15.9. million. As of December 31, 2020, the Company had 911 PPP loans with outstanding balances totaling $81.3 million. As compensation for originating the loans, the Company received lender processing fees from the SBA, which were deferred, along with the related loan origination costs. These net fees are being accreted to interest income over the remaining contractual lives of the loans. Upon forgiveness of a PPP loan and repayment by the SBA, which may be prior to the loan's maturity, the remainder of any unrecognized net fees are recognized in interest income. Our outstanding PPP loans were included in the commercial and industrial segment at December 31, 2021 and 2020, and their underlying guarantees were considered in the determination of the allowance for loan losses as discussed below.</p>
CY2021Q4 efsi Percentage Limit Of Estimated Appraised Value Of Home
PercentageLimitOfEstimatedAppraisedValueOfHome
0.80
CY2020 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
3417543
CY2021 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
0
CY2020 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
0
CY2021Q4 efsi Common Stock Shares Authorized Compensation Plan
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500000
CY2021Q4 efsi Percentage To Represent More Likely Than Not
PercentageToRepresentMoreLikelyThanNot
0.50
CY2021 us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<p style="text-align:justify;margin-top:14pt;margin-bottom:0pt;text-indent:0%;font-weight:bold;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">Reclassifications</p> <p style="text-align:justify;margin-top:5pt;margin-bottom:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Certain reclassifications have been made to the 2020 financial statements to conform to reporting for 2021.  The results of the reclassifications are not considered material and had no effect on prior years' net income or shareholders' equity.</p>
CY2021 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
3440080
CY2020 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
3417543
CY2021 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
3440080
CY2021 us-gaap Use Of Estimates
UseOfEstimates
<p style="text-align:justify;margin-top:14pt;margin-bottom:0pt;text-indent:0%;font-weight:bold;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">Use of Estimates</p> <p style="text-align:justify;margin-top:5pt;margin-bottom:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. The material estimate that is particularly susceptible to significant change in the near term relates to the determination of the allowance for loan losses.</p>
CY2021Q4 us-gaap Stock Repurchase Program Number Of Shares Authorized To Be Repurchased
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150000
CY2021 us-gaap Stock Repurchased And Retired During Period Shares
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CY2021 us-gaap Stock Repurchased And Retired During Period Value
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31.26
CY2020 us-gaap Stock Repurchased And Retired During Period Shares
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67189
CY2020 us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
27.60
CY2021Q4 us-gaap Stock Repurchase Program Remaining Number Of Shares Authorized To Be Repurchased
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148825
CY2021Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
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192539000
CY2021Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
1954000
CY2021Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
2172000
CY2021Q4 us-gaap Available For Sale Securities Debt Securities
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192321000
CY2020Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
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160827000
CY2020Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
4174000
CY2020Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
46000
CY2020Q4 us-gaap Available For Sale Securities Debt Securities
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164955000
CY2021Q4 us-gaap Restricted Investments
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1049000
CY2020Q4 us-gaap Restricted Investments
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1267000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
3819000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
3842000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
9079000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
9236000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
38138000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
38958000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
141503000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
140285000
CY2021Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
192539000
CY2021Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
192321000
CY2021 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
15900000
CY2021 us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
143000
CY2021 us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
119000
CY2020 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
28300000
CY2020 us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
687000
CY2020 us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
0
CY2021Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
103943000
CY2021Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
1254000
CY2021Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
29555000
CY2021Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
918000
CY2021Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
133498000
CY2021Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
2172000
CY2020Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
12014000
CY2020Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
46000
CY2020Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
12014000
CY2020Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
46000
CY2021Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Number Of Positions
DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions
41
CY2020Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Number Of Positions
DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions
3
CY2021Q4 us-gaap Pledged Financial Instruments Not Separately Reported Securities Pledged
PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesPledged
8500000
CY2021Q4 us-gaap Time Deposit Maturities After Year Five
TimeDepositMaturitiesAfterYearFive
7000
CY2021Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
982225000
CY2020Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
835649000
CY2021Q4 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
-3495000
CY2020Q4 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
-685000
CY2021Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
8787000
CY2020Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
7096000
CY2021Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
976933000
CY2020Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
829238000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7096000
CY2019Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
4973000
CY2021 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
1483000
CY2020 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
1457000
CY2021 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
318000
CY2020 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
1131000
CY2021 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
110000
CY2020 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
465000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
8787000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7096000
CY2021Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
982225000
CY2021Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
43000
CY2021Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
2723000
CY2020Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
835649000
CY2020Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
4754000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7096000
CY2021 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
110000
CY2021 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
318000
CY2021 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
1483000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
8787000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
39000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
8748000
CY2021Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
982225000
CY2021Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
5454000
CY2021Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
976771000
CY2019Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
4973000
CY2020 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
465000
CY2020 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
1131000
CY2020 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
1457000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7096000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
72000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
7024000
CY2020Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
835649000
CY2020Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
7768000
CY2020Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
827881000
CY2021Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
6052000
CY2021Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
5473000
CY2021Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
39000
CY2021 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
5626000
CY2021 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
113000
CY2020Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
8835000
CY2020Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
7785000
CY2020Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
72000
CY2020 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
8025000
CY2020 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
186000
CY2021Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
914944000
CY2020Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
814328000
CY2021 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
17
CY2021Q4 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
2700000
CY2020 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
17
CY2020Q4 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
3300000
CY2021Q4 efsi Financing Receivable Modifications Nonaccrual Numberof Contracts
FinancingReceivableModificationsNonaccrualNumberofContracts
2
CY2021Q4 efsi Financing Receivable Modifications Nonaccrual Recorded Investment
FinancingReceivableModificationsNonaccrualRecordedInvestment
149000
CY2020Q4 efsi Financing Receivable Modifications Nonaccrual Numberof Contracts
FinancingReceivableModificationsNonaccrualNumberofContracts
3
CY2020Q4 efsi Financing Receivable Modifications Nonaccrual Recorded Investment
FinancingReceivableModificationsNonaccrualRecordedInvestment
796000
CY2020Q4 efsi Number Of Deferral Loans Of Interest And Principal Payments
NumberOfDeferralLoansOfInterestAndPrincipalPayments
255
CY2021Q1 efsi Number Of Deferral Loans Of Interest And Principal Payments
NumberOfDeferralLoansOfInterestAndPrincipalPayments
2
CY2021Q1 efsi Finance Receivable Modifications Amounts
FinanceReceivableModificationsAmounts
41000000
CY2021 efsi Troubled Debt Restructuring Modifications Number Of Contracts
TroubledDebtRestructuringModificationsNumberOfContracts
3
CY2021 efsi Troubled Debt Restructuring Modifications Pre Modification Recorded Investment
TroubledDebtRestructuringModificationsPreModificationRecordedInvestment
113000
CY2021 efsi Troubled Debt Restructuring Modifications Post Modification Recorded Investment
TroubledDebtRestructuringModificationsPostModificationRecordedInvestment
113000
CY2020 efsi Troubled Debt Restructuring Modifications Number Of Contracts
TroubledDebtRestructuringModificationsNumberOfContracts
5
CY2020 efsi Troubled Debt Restructuring Modifications Pre Modification Recorded Investment
TroubledDebtRestructuringModificationsPreModificationRecordedInvestment
1629000
CY2020 efsi Troubled Debt Restructuring Modifications Post Modification Recorded Investment
TroubledDebtRestructuringModificationsPostModificationRecordedInvestment
1633000
CY2021 efsi Troubled Debt Restructuring Modifications By Granting Concession Number Of Contracts
TroubledDebtRestructuringModificationsByGrantingConcessionNumberOfContracts
3
CY2021 efsi Troubled Debt Restructuring Modifications By Granting A Refinance
TroubledDebtRestructuringModificationsByGrantingARefinance
2
CY2021 efsi Troubled Debt Restructuring Modifications By Consumer Installment Loan Granted
TroubledDebtRestructuringModificationsByConsumerInstallmentLoanGranted
1
CY2020 efsi Troubled Debt Restructuring Modifications By Granting Concession Number Of Contracts
TroubledDebtRestructuringModificationsByGrantingConcessionNumberOfContracts
5
CY2021Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
34020000
CY2020Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
33500000
CY2021Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
15771000
CY2020Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
14775000
CY2021Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
18249000
CY2020Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
18725000
CY2021Q4 us-gaap Noninterest Bearing Deposit Liabilities Domestic
NoninterestBearingDepositLiabilitiesDomestic
470355000
CY2020Q4 us-gaap Noninterest Bearing Deposit Liabilities Domestic
NoninterestBearingDepositLiabilitiesDomestic
407576000
CY2021Q4 us-gaap Interest Bearing Domestic Deposit Negotiable Order Of Withdrawal Now
InterestBearingDomesticDepositNegotiableOrderOfWithdrawalNOW
162690000
CY2020Q4 us-gaap Interest Bearing Domestic Deposit Negotiable Order Of Withdrawal Now
InterestBearingDomesticDepositNegotiableOrderOfWithdrawalNOW
132249000
CY2021Q4 us-gaap Interest Bearing Domestic Deposit Money Market
InterestBearingDomesticDepositMoneyMarket
251862000
CY2020Q4 us-gaap Interest Bearing Domestic Deposit Money Market
InterestBearingDomesticDepositMoneyMarket
207837000
CY2021Q4 us-gaap Interest Bearing Domestic Deposit Savings
InterestBearingDomesticDepositSavings
168744000
CY2020Q4 us-gaap Interest Bearing Domestic Deposit Savings
InterestBearingDomesticDepositSavings
136778000
CY2021Q4 us-gaap Interest Bearing Deposit Liabilities Domestic
InterestBearingDepositLiabilitiesDomestic
583296000
CY2020Q4 us-gaap Interest Bearing Deposit Liabilities Domestic
InterestBearingDepositLiabilitiesDomestic
476864000
CY2021Q4 efsi Time Deposits Lessthan250000
TimeDepositsLessthan250000
58427000
CY2020Q4 efsi Time Deposits Lessthan250000
TimeDepositsLessthan250000
59621000
CY2021Q4 efsi Time Deposits250000or More
TimeDeposits250000orMore
65157000
CY2020Q4 efsi Time Deposits250000or More
TimeDeposits250000orMore
69037000
CY2021Q4 us-gaap Time Deposits
TimeDeposits
123584000
CY2020Q4 us-gaap Time Deposits
TimeDeposits
128658000
CY2021Q4 us-gaap Deposits Domestic
DepositsDomestic
1177235000
CY2020Q4 us-gaap Deposits Domestic
DepositsDomestic
1013098000
CY2021Q4 efsi Reciprocal Money Market Accounts Domestic
ReciprocalMoneyMarketAccountsDomestic
42200000
CY2020Q4 efsi Reciprocal Money Market Accounts Domestic
ReciprocalMoneyMarketAccountsDomestic
34600000
CY2021Q4 us-gaap Time Deposit Maturities Year One
TimeDepositMaturitiesYearOne
107507000
CY2021Q4 us-gaap Time Deposit Maturities Year Two
TimeDepositMaturitiesYearTwo
6307000
CY2021Q4 us-gaap Time Deposit Maturities Year Three
TimeDepositMaturitiesYearThree
2449000
CY2021Q4 us-gaap Time Deposit Maturities Year Four
TimeDepositMaturitiesYearFour
1534000
CY2021Q4 us-gaap Time Deposit Maturities Year Five
TimeDepositMaturitiesYearFive
5780000
CY2021Q4 us-gaap Time Deposits
TimeDeposits
123584000
CY2021Q4 us-gaap Deposit Liabilities Reclassified As Loans Receivable1
DepositLiabilitiesReclassifiedAsLoansReceivable1
231000
CY2020Q4 us-gaap Deposit Liabilities Reclassified As Loans Receivable1
DepositLiabilitiesReclassifiedAsLoansReceivable1
70000
CY2021 efsi Federal Funds Purchased Activity For Year Average Balance Of Agreements Outstanding
FederalFundsPurchasedActivityForYearAverageBalanceOfAgreementsOutstanding
1000
CY2020 efsi Federal Funds Purchased Activity For Year Average Balance Of Agreements Outstanding
FederalFundsPurchasedActivityForYearAverageBalanceOfAgreementsOutstanding
1000
CY2021 efsi Federal Funds Purchased Activity For Year Average Interest Rate For Year
FederalFundsPurchasedActivityForYearAverageInterestRateForYear
0.0066
CY2020 efsi Federal Funds Purchased Activity For Year Average Interest Rate For Year
FederalFundsPurchasedActivityForYearAverageInterestRateForYear
0.0061
CY2021 efsi Federal Funds Purchased Activity For Year Gross Lines Of Credit
FederalFundsPurchasedActivityForYearGrossLinesOfCredit
78000000
CY2020 efsi Federal Funds Purchased Activity For Year Gross Lines Of Credit
FederalFundsPurchasedActivityForYearGrossLinesOfCredit
28000000
CY2021 efsi Federal Funds Purchased Activity For Year Unused Lines Of Credit
FederalFundsPurchasedActivityForYearUnusedLinesOfCredit
78000000
CY2020 efsi Federal Funds Purchased Activity For Year Unused Lines Of Credit
FederalFundsPurchasedActivityForYearUnusedLinesOfCredit
28000000
CY2021Q4 us-gaap Federal Home Loan Bank Advances
FederalHomeLoanBankAdvances
0
CY2020Q4 us-gaap Federal Home Loan Bank Advances
FederalHomeLoanBankAdvances
0
CY2021Q4 efsi Federal Home Loan Bank Irrevocable Letterof Credit
FederalHomeLoanBankIrrevocableLetterofCredit
60000000.0
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
1845000
CY2020Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
1490000
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost
136000
CY2020Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost
95000
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Postretirement Benefits
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPostretirementBenefits
21000
CY2020Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Postretirement Benefits
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPostretirementBenefits
21000
CY2021Q4 efsi Deferred Tax Assets Home Equity Origination Costs
DeferredTaxAssetsHomeEquityOriginationCosts
67000
CY2020Q4 efsi Deferred Tax Assets Home Equity Origination Costs
DeferredTaxAssetsHomeEquityOriginationCosts
50000
CY2021Q4 us-gaap Deferred Tax Assets Deferred Income
DeferredTaxAssetsDeferredIncome
65000
CY2020Q4 us-gaap Deferred Tax Assets Deferred Income
DeferredTaxAssetsDeferredIncome
76000
CY2021Q4 efsi Deferred Tax Assets Lease Liabilities
DeferredTaxAssetsLeaseLiabilities
1110000
CY2020Q4 efsi Deferred Tax Assets Lease Liabilities
DeferredTaxAssetsLeaseLiabilities
864000
CY2021Q4 us-gaap Deferred Tax Assets Tax Credit Carryforwards
DeferredTaxAssetsTaxCreditCarryforwards
973000
CY2021Q4 us-gaap Deferred Tax Assets Other Comprehensive Loss
DeferredTaxAssetsOtherComprehensiveLoss
46000
CY2021Q4 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
27000
CY2020Q4 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
29000
CY2021Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
4290000
CY2020Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
2625000
CY2021Q4 us-gaap Deferred Tax Liabilities Property Plant And Equipment
DeferredTaxLiabilitiesPropertyPlantAndEquipment
659000
CY2020Q4 us-gaap Deferred Tax Liabilities Property Plant And Equipment
DeferredTaxLiabilitiesPropertyPlantAndEquipment
713000
CY2021Q4 efsi Deferred Tax Liabilities Right Of Use Assets
DeferredTaxLiabilitiesRightOfUseAssets
1079000
CY2020Q4 efsi Deferred Tax Liabilities Right Of Use Assets
DeferredTaxLiabilitiesRightOfUseAssets
843000
CY2020Q4 us-gaap Deferred Tax Liabilities Other Comprehensive Income
DeferredTaxLiabilitiesOtherComprehensiveIncome
867000
CY2021Q4 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
1738000
CY2020Q4 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
2423000
CY2021Q4 us-gaap Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
2552000
CY2020Q4 us-gaap Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
202000
CY2021 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
3203000
CY2020 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
2607000
CY2021 us-gaap Deferred Other Tax Expense Benefit
DeferredOtherTaxExpenseBenefit
-1437000
CY2020 us-gaap Deferred Other Tax Expense Benefit
DeferredOtherTaxExpenseBenefit
-471000
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1766000
CY2020 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2136000
CY2021 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
2685000
CY2020 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
2795000
CY2021 us-gaap Income Tax Reconciliation Tax Exempt Income
IncomeTaxReconciliationTaxExemptIncome
135000
CY2020 us-gaap Income Tax Reconciliation Tax Exempt Income
IncomeTaxReconciliationTaxExemptIncome
193000
CY2021 efsi Effective Income Tax Rate Reconciliation Tax Exempt Income Life Insurance Amount
EffectiveIncomeTaxRateReconciliationTaxExemptIncomeLifeInsuranceAmount
102000
CY2020 efsi Effective Income Tax Rate Reconciliation Tax Exempt Income Life Insurance Amount
EffectiveIncomeTaxRateReconciliationTaxExemptIncomeLifeInsuranceAmount
57000
CY2021 us-gaap Income Tax Reconciliation Tax Credits
IncomeTaxReconciliationTaxCredits
686000
CY2020 us-gaap Income Tax Reconciliation Tax Credits
IncomeTaxReconciliationTaxCredits
439000
CY2021 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
4000
CY2020 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
30000
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1766000
CY2020 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2136000
CY2021 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.1381
CY2020 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.1605
CY2020Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Nonvested Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber
20928
CY2020Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Nonvested Weighted Average Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue
29.98
CY2019Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Nonvested Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber
18488
CY2019Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Nonvested Weighted Average Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue
30.39
CY2021 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Grants In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod
32496
CY2021 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Grants In Period Weighted Average Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue
31.16
CY2020 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Grants In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod
22128
CY2020 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Grants In Period Weighted Average Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue
28.82
CY2021 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Vested In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod
21261
CY2021 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Vested In Period Weighted Average Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue
30.70
CY2020 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Vested In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod
19238
CY2020 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Vested In Period Weighted Average Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue
29.01
CY2021 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
425
CY2021 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Forfeitures Weighted Average Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue
31.05
CY2020 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
450
CY2020 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Forfeitures Weighted Average Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue
31.03
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Nonvested Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber
31738
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Nonvested Weighted Average Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue
30.70
CY2020Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Nonvested Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber
20928
CY2020Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Nonvested Weighted Average Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue
29.98
CY2021 us-gaap Deferred Compensation Arrangement With Individual Allocated Share Based Compensation Expense
DeferredCompensationArrangementWithIndividualAllocatedShareBasedCompensationExpense
850000
CY2020 us-gaap Deferred Compensation Arrangement With Individual Allocated Share Based Compensation Expense
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CY2021 efsi Deferred Compensation Arrangement Grant Date Fair Value Of Vested Restricted Stock
DeferredCompensationArrangementGrantDateFairValueOfVestedRestrictedStock
653000
CY2020 efsi Deferred Compensation Arrangement Grant Date Fair Value Of Vested Restricted Stock
DeferredCompensationArrangementGrantDateFairValueOfVestedRestrictedStock
558000
CY2021 efsi Deferred Compensation Arrangement Vest Date Fair Value Of Vested Restricted Stock
DeferredCompensationArrangementVestDateFairValueOfVestedRestrictedStock
690000
CY2020 efsi Deferred Compensation Arrangement Vest Date Fair Value Of Vested Restricted Stock
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561000
CY2021 efsi Deferred Compensation Arrangements Unrecognized Compensation Cost Related To Unvested Restricted Stock
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336000
CY2021 us-gaap Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Period For Recognition1
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CY2021 us-gaap Defined Benefit Plan Contributions By Employer
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CY2020 us-gaap Defined Benefit Plan Contributions By Employer
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CY2020 efsi Executive Supplemental Income Benefit Expense
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CY2020Q4 us-gaap Compensating Balance Amount
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CY2020Q4 us-gaap Operating Lease Right Of Use Asset
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CY2020Q4 us-gaap Operating Lease Weighted Average Remaining Lease Term1
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CY2020 us-gaap Operating Lease Cost
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CY2020 us-gaap Short Term Lease Cost
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CY2021 us-gaap Lease Cost
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CY2020 us-gaap Lease Cost
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CY2020 us-gaap Operating Lease Payments
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CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
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455000
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Two
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CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Three
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480000
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Four
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504000
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Five
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397000
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due After Year Five
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4540000
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due
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6849000
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1560000
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CY2021Q4 efsi Common Equity Tier One Capitalto Risk Weighted Assets
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46362000
CY2021Q4 efsi Common Equity Tier One Capital For Capital Adequacy To Risk Weighted Assets
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CY2021Q4 efsi Common Equity Tier One Capital Required To Be Well Capitalized To Risk Weighted Assets
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CY2021Q4 us-gaap Capital
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CY2021Q4 efsi Capital To Risk Weighted Assets1
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CY2021Q4 us-gaap Capital Required For Capital Adequacy
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CY2021Q4 efsi Capital Required For Capital Adequacy To Risk Weighted Assets1
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CY2021Q4 efsi Capital Required To Be Well Capitalized To Risk Weighted Assets1
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CY2021Q4 efsi Tier One Risk Based Capital To Risk Weighted Assets1
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CY2021Q4 us-gaap Tier One Risk Based Capital Required For Capital Adequacy
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61816000
CY2021Q4 efsi Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets1
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CY2021Q4 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized
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CY2021Q4 efsi Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets1
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CY2021Q4 us-gaap Tier One Leverage Capital
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CY2021Q4 efsi Tier One Leverage Capital To Average Assets1
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CY2021Q4 us-gaap Tier One Leverage Capital Required For Capital Adequacy
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CY2021Q4 efsi Tier One Leverage Capital Required For Capital Adequacy To Average Assets1
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CY2021Q4 us-gaap Tier One Leverage Capital Required To Be Well Capitalized
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CY2021Q4 efsi Tier One Leverage Capital Required To Be Well Capitalized To Average Assets1
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CY2020Q4 efsi Common Equity Tier One Capitalto Risk Weighted Assets
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CY2020Q4 us-gaap Common Equity Tier One Capital Required For Capital Adequacy
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CY2020Q4 efsi Common Equity Tier One Capital For Capital Adequacy To Risk Weighted Assets
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CY2020Q4 us-gaap Common Equity Tier One Capital Required To Be Well Capitalized
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CY2020Q4 us-gaap Capital
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CY2020Q4 efsi Capital To Risk Weighted Assets1
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CY2020Q4 efsi Capital Required For Capital Adequacy To Risk Weighted Assets1
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CY2020Q4 us-gaap Capital Required To Be Well Capitalized
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CY2020Q4 efsi Capital Required To Be Well Capitalized To Risk Weighted Assets1
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CY2020Q4 us-gaap Tier One Risk Based Capital
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CY2020Q4 us-gaap Tier One Risk Based Capital Required For Capital Adequacy
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CY2020Q4 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized
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CY2020Q4 efsi Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets1
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CY2020Q4 us-gaap Tier One Leverage Capital
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CY2020Q4 efsi Tier One Leverage Capital To Average Assets1
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CY2020Q4 us-gaap Tier One Leverage Capital Required For Capital Adequacy
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43213000
CY2020Q4 efsi Tier One Leverage Capital Required For Capital Adequacy To Average Assets1
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CY2020Q4 us-gaap Tier One Leverage Capital Required To Be Well Capitalized
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CY2020Q4 efsi Tier One Leverage Capital Required To Be Well Capitalized To Average Assets1
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CY2021Q4 us-gaap Statutory Accounting Practices Statutory Amount Available For Dividend Payments
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21800000
CY2021Q4 efsi Restricted Equity In Net Assets Of Bank
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CY2021 efsi Funds Available For Loans Or Advances
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CY2021 efsi Excess Of Insurance Limits Held In Cash Accounts In Other Commercial Banks
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7600000
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CY2021 efsi Financial Instruments Commitments To Extend Credit
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21886000
CY2020 efsi Financial Instruments Commitments To Extend Credit
FinancialInstrumentsCommitmentsToExtendCredit
27558000
CY2021 efsi Financial Instruments Unfunded Commitments Under Lines Of Credit
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171406000
CY2020 efsi Financial Instruments Unfunded Commitments Under Lines Of Credit
FinancialInstrumentsUnfundedCommitmentsUnderLinesOfCredit
146202000
CY2021 efsi Financial Instruments Commercial And Standby Letters Of Credit
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CY2020 efsi Financial Instruments Commercial And Standby Letters Of Credit
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CY2021Q4 efsi Collateralized Letters Of Credit Outstanding
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CY2021 efsi Gain On Sale Of Loans Held For Sale
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1658000
CY2021 efsi Bank Owned Life Insurance Income Expense
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CY2021 us-gaap Noninterest Income
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CY2020 us-gaap Noninterest Income
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CY2021Q1 us-gaap Noninterest Income
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CY2021Q2 us-gaap Noninterest Income
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CY2021Q3 us-gaap Noninterest Income
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CY2021Q4 us-gaap Noninterest Income
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CY2021Q1 us-gaap Noninterest Expense
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CY2021Q2 us-gaap Noninterest Expense
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3441000
CY2021Q2 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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3618000
CY2021Q3 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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3457000
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2271000
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CY2021Q4 us-gaap Net Income Loss
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CY2021Q4 us-gaap Earnings Per Share Basic
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CY2020Q4 us-gaap Noninterest Income
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CY2020Q3 us-gaap Noninterest Expense
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CY2020Q4 us-gaap Noninterest Expense
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4118000
CY2020Q4 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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2860000
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CY2020Q3 us-gaap Net Income Loss
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CY2020Q4 us-gaap Net Income Loss
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CY2020Q3 us-gaap Earnings Per Share Basic
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CY2020Q4 us-gaap Earnings Per Share Diluted
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CY2020Q3 us-gaap Common Stock Dividends Per Share Declared
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CY2021Q4 us-gaap Assets Fair Value Disclosure
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CY2021Q4 us-gaap Interest Rate Derivative Liabilities At Fair Value
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58000
CY2021Q4 us-gaap Restricted Investments At Fair Value
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CY2021Q4 us-gaap Liabilities Fair Value Disclosure
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CY2020Q4 us-gaap Assets Fair Value Disclosure
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CY2021Q4 us-gaap Cash And Cash Equivalents Fair Value Disclosure
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CY2021Q4 us-gaap Loans Held For Sale Fair Value Disclosure
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CY2021Q4 us-gaap Loans Receivable Fair Value Disclosure
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CY2021Q4 us-gaap Cash Surrender Value Fair Value Disclosure
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23236000
CY2021Q4 efsi Accrued Interest Receivable Fair Value Disclosure
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2634000
CY2021Q4 us-gaap Interest Rate Derivative Assets At Fair Value
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CY2021Q4 us-gaap Deposits Fair Value Disclosure
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CY2021Q4 us-gaap Interest Rate Derivative Liabilities At Fair Value
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CY2020Q4 us-gaap Cash And Cash Equivalents Fair Value Disclosure
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CY2020Q4 us-gaap Available For Sale Securities Debt Securities
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CY2020Q4 us-gaap Restricted Investments At Fair Value
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CY2020Q4 us-gaap Loans Receivable Fair Value Disclosure
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CY2020Q4 us-gaap Cash Surrender Value Fair Value Disclosure
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CY2020Q4 efsi Accrued Interest Receivable Fair Value Disclosure
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CY2020Q4 us-gaap Deposits Fair Value Disclosure
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CY2019Q4 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
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CY2021 us-gaap Other Comprehensive Income Loss Before Reclassifications Before Tax
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CY2020 us-gaap Other Comprehensive Income Loss Before Reclassifications Before Tax
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CY2021 us-gaap Reclassification From Accumulated Other Comprehensive Income Current Period Before Tax
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CY2020 efsi Other Comprehensive Income Loss Tax Effect Of Current Period Changes
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CY2020Q4 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
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CY2020 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
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CY2021 us-gaap Other Real Estate Additions
OtherRealEstateAdditions
266000
CY2020 us-gaap Other Real Estate Additions
OtherRealEstateAdditions
441000
CY2020 efsi Other Real Estate Gain On Foreclosure
OtherRealEstateGainOnForeclosure
166000
CY2021 us-gaap Other Real Estate Disposals
OtherRealEstateDisposals
781000
CY2020 us-gaap Other Real Estate Disposals
OtherRealEstateDisposals
183000
CY2021 us-gaap Other Real Estate Valuation Adjustments
OtherRealEstateValuationAdjustments
92000
CY2020Q4 us-gaap Other Real Estate
OtherRealEstate
607000
CY2020Q4 efsi Other Real Estate Gross
OtherRealEstateGross
607000
CY2020Q4 us-gaap Other Real Estate
OtherRealEstate
607000
CY2020Q4 efsi Mortgage Loans In Process Of Foreclosure Number
MortgageLoansInProcessOfForeclosureNumber
1
CY2020Q4 us-gaap Mortgage Loans In Process Of Foreclosure Amount
MortgageLoansInProcessOfForeclosureAmount
68000
CY2021Q4 us-gaap Amortization Method Qualified Affordable Housing Project Investments
AmortizationMethodQualifiedAffordableHousingProjectInvestments
2600000
CY2020Q4 us-gaap Amortization Method Qualified Affordable Housing Project Investments
AmortizationMethodQualifiedAffordableHousingProjectInvestments
2800000
CY2021Q4 us-gaap Qualified Affordable Housing Project Investments Commitment
QualifiedAffordableHousingProjectInvestmentsCommitment
11000
CY2020Q4 us-gaap Qualified Affordable Housing Project Investments Commitment
QualifiedAffordableHousingProjectInvestmentsCommitment
446000
CY2021 us-gaap Amortization Method Qualified Affordable Housing Project Investments Amortization
AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization
229000
CY2020 us-gaap Amortization Method Qualified Affordable Housing Project Investments Amortization
AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization
229000
CY2021 efsi Affordable Housing Tax Creditsand Other Tax Benefits Expectedto Be Received
AffordableHousingTaxCreditsandOtherTaxBenefitsExpectedtoBeReceived
349000
CY2021 us-gaap Affordable Housing Tax Credits And Other Tax Benefits Amount
AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount
385000
CY2020 us-gaap Affordable Housing Tax Credits And Other Tax Benefits Amount
AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount
384000
CY2021 dei Auditor Firm
AuditorFirmId
613

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