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Essa Bank & Trust

Investor Relations

Income Statement

Financial Highlights
9/30/2015
9/30/2016
3/31/2017
9/30/2017
NA NA NA NA
Interest Income 54,179 58,366 14,379 58,318
Interest Expense 10,390 11,431 3,075 12,799
Net Interest Income 43,789 46,935 11,304 45,519
FTE Net Interest Income NA NA NA NA
Provision for Loan Losses 2,075 2,550 750 3,350
Trading Account Income 0 0 0 0
Foreign Exchange Income 0 0 0 0
Trust Revenue 901 780 214 752
Service Charges on Deposits 3,271 3,552 813 3,440
Gain on Sale of Loans (FAS 140) 0 0 0 0
Loan Fees & Charges 1,152 1,176 273 1,337
Bank-owned Life Insurance Revenue 935 938 256 1,033
Insurance Revenue 790 843 203 747
Investment Banking & Brokerage 0 0 0 0
Other Noninterest Income 61 236 25 595
Total Noninterest Income 7,110 7,525 1,784 7,904
Realized Gain on Securities 786 1,258 0 295
Nonrecurring Revenue 0 0 0 0
Compensation & Benefits 20,606 23,630 6,056 24,420
Occupancy & Equipment 4,150 5,129 1,190 4,472
Marketing and Promotion Expense 974 1,061 241 1,137
Professional Fees 1,983 2,529 835 2,886
Tech & Communications Expense 3,702 4,260 1,004 3,985
Amrt of Intang & Goodwill Impair 637 763 164 643
Foreclosure & Repo (148) 27 (5) (370)
Other Expense 4,676 5,214 1,019 4,265
Total Noninterest Expense 36,580 42,613 10,504 41,438
Nonrecurring Expense 285 245 0 0
Pre-Provision Net Revenue 14,319 11,847 2,584 11,985
Non-FTE Pre-Provision Net Revenue 14,319 11,847 2,584 11,985
Net Income before Taxes 12,745 10,310 1,834 8,930
Provision for Taxes 2,954 2,583 203 1,591
Effective Tax Rate(%) 23.18 25.05 11.07 17.82
Min Int & Oth after-tax Items 0 0 0 0
Extraordinary Items 0 0 0 0
Net Income 9,791 7,727 1,631 7,339
Net Income Attributable to Noncontrolling Int 0 0 0 0
Net Income Attributable to Parent 9,791 7,727 1,631 7,339
Preferred Dividends 0 0 0 0
Other Preferred Dividends after Net Income 0 0 0 0
Other Changes to Net Income 0 0 0 0
Net Income Avail to Common 9,791 7,727 1,631 7,339
Net Income for Diluted EPS 9,791 7,727 1,631 7,339
EPS after Extra($) 0.93 0.73 0.15 0.69
EPS after Extra Growth(%) 17.70 (21.50) (25) (5.50)
Pre-Provision Earnings per Share($) 0.88 0.73 0.15 0.73
Comprehensive Income
Net Income 9,791 7,727 1,631 7,339
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0
Total Other Comprehensive Income 184 563 5,531 1,078
Comprehensive Income 9,975 8,290 7,162 8,417
Interest Income Earned On:
Interest Earned on Loans 45,067 49,084 11,799 48,162
Int Inc: Securities 9,094 9,229 2,528 9,965
Int Inc: Other Earn Assets 18 53 52 191
Int Inc: Secs & Oth Earn Assets 9,112 9,282 2,580 10,156
Int Inc: Total Earn Assets 54,179 58,366 14,379 58,318
Interest Expense Incurred On:
Int Exp: CDs 6,795 6,784 1,682 6,872
Int Exp: Other Deposits 630 811 387 1,599
Int Exp: Total Deposits 7,425 7,595 2,069 8,471
Int Exp: Debt 2,965 3,836 1,006 4,328
Int Exp: Total Int-bearing Liab 10,390 11,431 3,075 12,799
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.