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Essa Bank & Trust

Investor Relations

D/L Composition

Financial Highlights
9/30/2013
9/30/2014
9/30/2015
9/30/2016
Loan Composition (%)
Total Gross Loans($000) 936,294 1,066,901 1,111,037 1,228,269
Gross Loans HFI Growth (2.20) 13.95 4.14 10.55
1-4 Family Loans/ Loans 73.34 61.31 54.96 48.58
Multifamily Loans/ Loans NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 17.03 17.86 18 23.48
Real Estate Loans/ Loans 90.37 79.17 72.96 72.06
Construction & Development Loans/ Loans 0.24 0.13 0.08 0.14
Home Equity Loans/ Loans 4.48 3.88 3.59 3.92
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 0.01 9.43 14.60 15.72
Other Consumer Loans/ Loans 0 0 0 0
Consumer Loans/ Loans 4.48 13.31 18.19 19.64
Commercial Loans/ Loans 1.08 2.42 3.09 3.25
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 3.82 4.98 5.69 4.90
Unearned Income and Other Adjustments/ Loans NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 1,041,059 1,133,889 1,096,754 1,214,820
Deposit Growth 4.56 8.92 (3.28) 10.77
Transaction Acct Deps/Tot Deps 15.24 20.64 19.04 25.53
Savings Acct Deps/Tot Deposits 10.58 10.82 11.78 11.69
Money Mkt Deps/Tot Deposits 13.26 15.01 14.81 20.57
MMDA & Savings/Total Deposits 23.84 25.83 26.59 32.27
Retail Time Deps/Tot Deposits 18.28 35.77 39.31 29.62
Jumbo Time Deposits/ Deposits 42.64 17.77 15.07 12.58
Tot Time Deposits/Tot Deposits 60.92 53.53 54.37 42.20
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 39.08 46.47 45.63 57.80
Core Deposits/Total Deposits 57.36 82.23 84.93 87.42
Noninterest-bearing Deposits/ Deposits 5.65 6.18 8.98 11.77
Interest-bearing Deposits/ Deposits 94.35 93.82 91.02 88.23
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.