Skip to main content

Essa Bank & Trust

Investor Relations

Income Statement

Financial Highlights
9/30/2014
9/30/2015
9/30/2016
3/31/2017
NA NA NA NA
Interest Income 50,776 54,179 58,366 14,379
Interest Expense 10,627 10,390 11,431 3,075
Net Interest Income 40,149 43,789 46,935 11,304
FTE Net Interest Income NA NA NA NA
Provision for Loan Losses 2,350 2,075 2,550 750
Trading Account Income 0 0 0 0
Foreign Exchange Income 0 0 0 0
Trust Revenue 906 901 780 214
Service Charges on Deposits 3,185 3,271 3,552 813
Gain on Sale of Loans (FAS 140) 0 0 0 0
Loan Fees & Charges 865 1,152 1,176 273
Bank-owned Life Insurance Revenue 923 935 938 256
Insurance Revenue 841 790 843 203
Investment Banking & Brokerage 0 0 0 0
Other Noninterest Income 113 61 236 25
Total Noninterest Income 6,833 7,110 7,525 1,784
Realized Gain on Securities 333 786 1,258 0
Nonrecurring Revenue 241 0 0 0
Compensation & Benefits 18,920 20,606 23,630 6,056
Occupancy & Equipment 4,050 4,150 5,129 1,190
Marketing and Promotion Expense 633 974 1,061 241
Professional Fees 1,883 1,983 2,529 835
Tech & Communications Expense 3,506 3,702 4,260 1,004
Amrt of Intang & Goodwill Impair 959 637 763 164
Foreclosure & Repo (466) (148) 27 (5)
Other Expense 3,804 4,676 5,214 1,019
Total Noninterest Expense 33,289 36,580 42,613 10,504
Nonrecurring Expense 522 285 245 0
Pre-Provision Net Revenue 13,693 14,319 11,847 2,584
Non-FTE Pre-Provision Net Revenue 13,693 14,319 11,847 2,584
Net Income before Taxes 11,395 12,745 10,310 1,834
Provision for Taxes 2,891 2,954 2,583 203
Effective Tax Rate(%) 25.37 23.18 25.05 11.07
Min Int & Oth after-tax Items 0 0 0 0
Extraordinary Items 0 0 0 0
Net Income 8,504 9,791 7,727 1,631
Net Income Attributable to Noncontrolling Int 0 0 0 0
Net Income Attributable to Parent 8,504 9,791 7,727 1,631
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 8,504 9,791 7,727 1,631
Net Income for Diluted EPS 8,504 9,791 7,727 1,631
EPS after Extra($) 0.79 0.93 0.73 0.15
EPS after Extra Growth(%) 3.90 17.70 (21.50) (25)
Pre-Provision Earnings per Share($) 0.83 0.88 0.73 0.15
Comprehensive Income
Net Income 8,504 9,791 7,727 1,631
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0
Total Other Comprehensive Income (1,344) 184 563 5,531
Comprehensive Income 7,160 9,975 8,290 7,162
Interest Income Earned On:
Interest Earned on Loans 43,382 45,067 49,084 11,799
Int Inc: Securities 7,376 9,094 9,229 2,528
Int Inc: Other Earn Assets 18 18 53 52
Int Inc: Secs & Oth Earn Assets 7,394 9,112 9,282 2,580
Int Inc: Total Earn Assets 50,776 54,179 58,366 14,379
Interest Expense Incurred On:
Int Exp: CDs 7,455 6,795 6,784 1,682
Int Exp: Other Deposits 452 630 811 387
Int Exp: Total Deposits 7,907 7,425 7,595 2,069
Int Exp: Debt 2,720 2,965 3,836 1,006
Int Exp: Total Int-bearing Liab 10,627 10,390 11,431 3,075
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.