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Essa Bank & Trust

Investor Relations

D/L Composition

Financial Highlights
9/30/2014
9/30/2015
9/30/2016
3/31/2017
Loan Composition (%)
Total Gross Loans($000) 1,066,901 1,111,037 1,228,269 1,217,863
Gross Loans HFI Growth 13.95 4.14 10.55 (5.03)
1-4 Family Loans/ Loans 61.31 54.96 48.58 48.62
Multifamily Loans/ Loans NA NA NA NA
Commercial Real Estate Loans/ Loans NA NA NA NA
Commercial & Multifamily Real Estate Loans/ Loans 17.86 18 23.48 23.85
Real Estate Loans/ Loans 79.17 72.96 72.06 72.47
Construction & Development Loans/ Loans 0.13 0.08 0.14 0.32
Home Equity Loans/ Loans 3.88 3.59 3.92 3.75
Credit Card Loans/ Loans 0 0 0 0
Vehicle Loans/ Loans 9.43 14.60 15.72 15.33
Other Consumer Loans/ Loans 0 0 0 0
Consumer Loans/ Loans 13.31 18.19 19.64 19.08
Commercial Loans/ Loans 2.42 3.09 3.25 2.80
Foreign Loans/ Loans 0 0 0 0
Other Loans/ Loans 4.98 5.69 4.90 5.33
Unearned Income and Other Adjustments/ Loans NA NA NA NA
Deposit Composition (%)
Total Deposits($000) 1,133,889 1,096,754 1,214,820 1,238,375
Deposit Growth 8.92 (3.28) 10.77 15.23
Transaction Acct Deps/Tot Deps 20.64 19.04 25.53 23.44
Savings Acct Deps/Tot Deposits 10.82 11.78 11.69 11.75
Money Mkt Deps/Tot Deposits 15.01 14.81 20.57 20.63
MMDA & Savings/Total Deposits 25.83 26.59 32.27 32.38
Retail Time Deps/Tot Deposits 35.77 39.31 29.62 29.38
Jumbo Time Deposits/ Deposits 17.77 15.07 12.58 14.80
Tot Time Deposits/Tot Deposits 53.53 54.37 42.20 44.18
Foreign Deposits/Total Deposits 0 0 0 0
Other Deposits/Total Deposits 0 0 0 0
Non-CDs/Total Deposits 46.47 45.63 57.80 55.82
Core Deposits/Total Deposits 82.23 84.93 87.42 85.20
Noninterest-bearing Deposits/ Deposits 6.18 8.98 11.77 12.17
Interest-bearing Deposits/ Deposits 93.82 91.02 88.23 87.83
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.