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Essa Bank & Trust

Investor Relations

Financial Highlights

Financial Highlights
2014 FY
9/30/2014
2015 FY
9/30/2015
2016 FY
9/30/2016
2017 FY
9/30/2017
2018 FQ2 YTD
3/31/2018
Balance Sheet ($000)
Total Assets 1,574,815 1,606,544 1,772,479 1,785,218 1,820,924
Total Net Loans 1,058,267 1,102,118 1,219,213 1,236,681 1,291,262
Total Deposits 1,133,889 1,096,754 1,214,820 1,274,861 1,239,353
Equity Attributable to Parent Company 167,309 171,280 176,344 182,727 177,378
Total Equity 167,309 171,280 176,344 182,727 177,378
Profitability (%)
Net Income($000) 8,504 9,791 7,727 7,339 625
Net Income Attributable to Parent($000) 8,504 9,791 7,727 7,339 625
ROAA 0.58 0.62 0.45 0.42 0.07
Core ROAA 0.63 0.62 0.44 0.43 0.52
ROAE 5.01 5.68 4.40 4.11 0.69
ROATCE 5.79 6.38 5.16 4.77 1.02
Core ROAE 5.36 5.73 4.31 4.24 5.22
Net Interest Margin 2.97 2.96 2.89 2.77 2.81
Reported: Net Interest Margin 2.97 2.96 2.89 2.77 2.81
Efficiency Ratio 69.81 70.91 76.80 77.05 71.80
Noninterest Inc/ Operating Rev 14.54 13.97 13.82 14.80 13.94
Balance Sheet Ratios (%)
Loans/ Deposits 94.09 101.30 101.11 97.74 105.04
Securities/ Assets 25.23 24.48 22.90 22.65 21.67
Total Equity/ Total Assets 10.62 10.66 9.95 10.24 9.74
Tangible Equity/ Tangible Assets 9.90 9.99 9.11 9.44 8.97
Tang Common Equity/ Tang Assets 9.90 9.99 9.11 9.44 8.97
Asset Quality (%)
NPAs/ Assets 1.75 1.53 1.26 0.89 0.84
NPA Excl Restructured/ Assets 1.59 1.41 1.24 0.88 0.83
NPAs & 90+ PD/ Assets 1.75 1.53 1.26 0.89 0.84
NPAs/ Loans & REO 2.58 2.21 1.82 1.28 1.17
Nonaccrual & 90+ & OREO/ Assets 1.59 1.41 1.24 0.88 0.83
NPAs & 90+ PD/ Loans & REO 2.58 2.21 1.82 1.28 1.17
NPA & Loans 90+/ Tangible Common Equity + LLR 16.89 14.66 13.26 9.05 8.87
NCOs/ Avg Loans 0.18 0.17 0.20 0.25 0.15
Loan Loss Reserves/ Gross Loans 0.81 0.80 0.74 0.75 0.81
Reserves/ NPAs 31.31 36.18 40.40 58.65 68.65
Loan Loss Provision/ NCO 132.02 115.92 105.68 110.16 219.90
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 154,549 162,669 162,882 168,205 168,747
Tier 1 Capital($000) 154,549 162,669 162,882 168,205 168,747
Tier 2 Capital($000) NA 8,971 9,108 9,417 10,562
Total Capital($000) 162,767 171,640 171,990 177,622 179,309
Total Risk-weighted Assets($000) 961,230 1,026,491 1,185,218 1,221,166 1,302,929
Tier 1 Common Capital (CET1) Ratio(%) 16.08 15.85 13.74 13.77 12.95
Tier 1 Ratio(%) 16.08 15.85 13.74 13.77 12.95
Total Capital Ratio(%) 16.98 16.72 14.51 14.55 13.76
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.04 10.28 9.49 9.59 9.34
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 11,590,378 11,353,244 11,393,558 11,596,263 11,732,222
Avg Diluted Shares(actual) 10,820,915 10,543,130 10,519,068 10,663,457 10,780,379
Basic Book Value per Share 14.44 15.09 15.48 15.76 15.12
Basic Tangible Book Value per Share 13.34 14.03 14.05 14.41 13.81
Common Dividends Declared per Share 0.26 0.34 0.36 0.36 0.18
EPS after Extra 0.79 0.93 0.73 0.69 0.06
EPS after Extra Growth(%) 3.90 17.70 (21.50) (5.50) (82.40)
Core EPS 0.84 0.94 0.71 0.71 0.45
Core EPS Growth(%) 9.20 11.10 (23.80) (0.50) 26.30
Diluted EPS before Amortization 0.88 0.99 0.80 0.75 0.09
Pre-Provision Earnings per Share 0.83 0.88 0.73 0.73 0.57
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.