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Income Statement
Balance Sheet
Cash Flow Statement

Common Size IS
Op Efficiency
Credit Analysis

CMS Bancorp, Inc. (CMSB)

Income Statement

Standardized | As Reported Annual | Quarterly | TTM
 
In millions, except per share itemsSep-30-14Sep-30-13Sep-30-12Sep-30-11Sep-30-10Sep-30-09Sep-30-08
   10-K10-K10-K10-K10-K10-K10-K
    Interest income:  
        Interest income on loans  10.510.410.310.310.2 9.7
        Interest income on investments  0.80.80.91.01.0  
       11.311.311.311.511.4 10.3
    Interest expense:  
        Interest on deposits  1.51.51.92.02.0 2.8
        Interest on borrowings  0.60.71.01.71.7  
       2.12.22.93.63.7 4.6
Net interest income  13.413.514.315.115.2 5.7
Provision for loan losses  0.30.40.90.10.4 0.2
Net interest income after provision for loan losses  13.113.113.415.014.80.05.5
        Deposit and loan fees  0.20.20.20.20.2 0.2
        Gain on sale of investments, net    0.8 0.5 0.0
        Other non-interest income  0.10.30.20.30.4 0.1
Total non-interest income  0.30.41.20.41.0 0.3
Non-interest expenses  8.17.79.48.08.0 7.0
Pre-tax income  1.01.4-0.80.10.3-0.7-1.3
Income taxes  0.30.5-0.2-0.10.1-0.2-0.4
            Tax rate  33.8%32.5%21.5% 45.6%34.3%31.6%
Net income  0.60.9-0.60.20.2-0.4-0.9
            Net margin  4.2%6.7%-4.4%1.5%1.0%-1.6%-14.8%
   
Basic EPS  $0.33$0.52($0.37)$0.13$0.10($0.25)($0.46)
Diluted EPS  $0.33$0.52($0.37)$0.13$0.10($0.25)($0.46)
   
Shares outstanding (basic)  1.71.71.71.71.71.71.9
Shares outstanding (diluted)  1.71.71.71.71.71.71.9
   
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.  

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