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Essa Bank & Trust

Investor Relations

D/L Composition

Financial Highlights
9/30/2015
9/30/2016
3/31/2017
9/30/2017
Loan Composition (%)
Total Gross Loans($000) 1,111,037 1,228,269 1,217,863 1,246,046
Gross Loans HFI Growth 4.14 10.55 (5.03) 1.45
1-4 Family Loans/ Loans 54.96 48.58 48.62 47.09
Multifamily Loans/ Loans NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 18 23.48 23.85 25.55
Real Estate Loans/ Loans 72.96 72.06 72.47 72.63
Construction & Development Loans/ Loans 0.08 0.14 0.32 0.25
Home Equity Loans/ Loans 3.59 3.92 3.75 3.71
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 14.60 15.72 15.33 14.98
Other Consumer Loans/ Loans 0 0 0 0
Consumer Loans/ Loans 18.19 19.64 19.08 18.69
Commercial Loans/ Loans 3.09 3.25 2.80 3.54
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 5.69 4.90 5.33 4.89
Unearned Income and Other Adjustments/ Loans NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 1,096,754 1,214,820 1,238,375 1,274,861
Deposit Growth (3.28) 10.77 15.23 4.94
Transaction Acct Deps/Tot Deps 19.04 25.53 23.44 28.90
Savings Acct Deps/Tot Deposits 11.78 11.69 11.75 11.10
Money Mkt Deps/Tot Deposits 14.81 20.57 20.63 19.92
MMDA & Savings/Total Deposits 26.59 32.27 32.38 31.02
Retail Time Deps/Tot Deposits 39.31 29.62 29.38 23.62
Jumbo Time Deposits/ Deposits 15.07 12.58 14.80 16.45
Tot Time Deposits/Tot Deposits 54.37 42.20 44.18 40.07
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 45.63 57.80 55.82 59.93
Core Deposits/Total Deposits 84.93 87.42 85.20 83.55
Noninterest-bearing Deposits/ Deposits 8.98 11.77 12.17 12.56
Interest-bearing Deposits/ Deposits 91.02 88.23 87.83 87.44
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.