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Essa Bank & Trust

Investor Relations

D/L Composition

Financial Highlights
9/30/2016
3/31/2017
9/30/2017
3/31/2018
Loan Composition (%)
Total Gross Loans($000) 1,228,269 1,217,863 1,246,046 1,301,772
Gross Loans HFI Growth 10.55 (5.03) 1.45 4.85
1-4 Family Loans/ Loans 48.58 48.62 47.09 44.86
Multifamily Loans/ Loans NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 23.48 23.85 25.55 29.46
Real Estate Loans/ Loans 72.06 72.47 72.63 74.32
Construction & Development Loans/ Loans 0.14 0.32 0.25 0.31
Home Equity Loans/ Loans 3.92 3.75 3.71 3.40
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 15.72 15.33 14.98 13.71
Other Consumer Loans/ Loans 0 0 0 0
Consumer Loans/ Loans 19.64 19.08 18.69 17.10
Commercial Loans/ Loans 3.25 2.80 3.54 3.79
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 4.90 5.33 4.89 4.48
Unearned Income and Other Adjustments/ Loans NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 1,214,820 1,238,375 1,274,861 1,239,353
Deposit Growth 10.77 15.23 4.94 (3.73)
Transaction Acct Deps/Tot Deps 25.53 23.44 28.90 25.58
Savings Acct Deps/Tot Deposits 11.69 11.75 11.10 11.60
Money Mkt Deps/Tot Deposits 20.57 20.63 19.92 21.54
MMDA & Savings/Total Deposits 32.27 32.38 31.02 33.13
Retail Time Deps/Tot Deposits 29.62 29.38 23.62 26.78
Jumbo Time Deposits/ Deposits 12.58 14.80 16.45 14.51
Tot Time Deposits/Tot Deposits 42.20 44.18 40.07 41.29
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 57.80 55.82 59.93 58.71
Core Deposits/Total Deposits 87.42 85.20 83.55 85.49
Noninterest-bearing Deposits/ Deposits 11.77 12.17 12.56 12.30
Interest-bearing Deposits/ Deposits 88.23 87.83 87.44 87.70
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.