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Essa Bank & Trust

Investor Relations

Financial Highlights

Financial Highlights
2015 FY
9/30/2015
2016 FY
9/30/2016
2017 FY
9/30/2017
2018 FY
9/30/2018
2019 FY
9/30/2019
Balance Sheet ($000)
Total Assets 1,606,544 1,772,479 1,785,218 1,833,790 1,799,427
Total Net Loans 1,102,118 1,219,213 1,236,681 1,305,071 1,328,653
Total Deposits 1,096,754 1,214,820 1,274,861 1,336,855 1,342,830
Equity Attributable to Parent Company 171,280 176,344 182,727 179,186 189,508
Total Equity 171,280 176,344 182,727 179,186 189,508
Profitability (%)
Net Income($000) 9,791 7,727 7,339 6,531 12,623
Net Income Attributable to Parent($000) 9,791 7,727 7,339 6,531 12,623
ROAA 0.62 0.45 0.42 0.36 0.69
Core ROAA 0.62 0.44 0.43 0.61 0.70
ROAE 5.68 4.40 4.11 3.61 6.80
ROATCE 6.38 5.16 4.77 4.17 7.54
Core ROAE 5.73 4.31 4.24 6.09 6.91
Net Interest Margin 2.96 2.89 2.77 2.85 2.73
Reported: Net Interest Margin 2.96 2.89 2.77 2.85 2.73
Efficiency Ratio 70.91 76.80 77.05 69.26 68.63
Noninterest Inc/ Operating Rev 13.97 13.82 14.80 13.69 14.71
Balance Sheet Ratios (%)
Loans/ Deposits 101.30 101.11 97.74 98.50 99.88
Securities/ Assets 24.48 22.90 22.65 20.96 18.06
Total Equity/ Total Assets 10.66 9.95 10.24 9.77 10.53
Tangible Equity/ Tangible Assets 9.99 9.11 9.44 9.02 9.79
Tang Common Equity/ Tang Assets 9.99 9.11 9.44 9.02 9.79
Asset Quality (%)
NPAs/ Assets 1.53 1.26 0.89 0.64 NA
NPA Excl Restructured/ Assets 1.41 1.24 0.88 0.64 NA
NPAs & 90+ PD/ Assets 1.53 1.26 0.89 0.64 NA
NPAs/ Loans & REO 2.21 1.82 1.28 0.89 NA
Nonaccrual & 90+ & OREO/ Assets 1.41 1.24 0.88 0.64 NA
NPAs & 90+ PD/ Loans & REO 2.21 1.82 1.28 0.89 NA
NPA & Loans 90+/ Tangible Common Equity + LLR 14.66 13.26 9.05 6.70 NA
NCOs/ Avg Loans 0.17 0.20 0.25 0.13 0.08
Loan Loss Reserves/ Gross Loans 0.80 0.74 0.75 0.89 0.94
Reserves/ NPAs 36.18 40.40 58.65 99.27 NA
Loan Loss Provision/ NCO 115.92 105.68 110.16 238.52 183.07
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 162,669 162,882 168,205 168,161 NA
Tier 1 Capital($000) 162,669 162,882 168,205 168,161 NA
Tier 2 Capital($000) 8,971 9,108 9,417 12,042 NA
Total Capital($000) 171,640 171,990 177,622 180,203 NA
Total Risk-weighted Assets($000) 1,026,491 1,185,218 1,221,166 1,324,102 NA
Tier 1 Common Capital (CET1) Ratio(%) 15.85 13.74 13.77 12.70 NA
Tier 1 Ratio(%) 15.85 13.74 13.77 12.70 NA
Total Capital Ratio(%) 16.72 14.51 14.55 13.59 NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.28 9.49 9.59 9.28 9.67
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 11,353,244 11,393,558 11,596,263 11,782,718 11,321,417
Avg Diluted Shares(actual) 10,543,130 10,519,068 10,663,457 10,833,844 10,733,166
Basic Book Value per Share 15.09 15.48 15.76 15.21 16.74
Basic Tangible Book Value per Share 14.03 14.05 14.41 13.92 15.43
Common Dividends Declared per Share 0.34 0.36 0.36 0.36 0.40
EPS after Extra 0.93 0.73 0.69 0.60 1.18
EPS after Extra Growth(%) 17.70 (21.50) (5.50) (13) 96.70
Core EPS 0.94 0.71 0.71 1.01 1.20
Core EPS Growth(%) 11.10 (23.80) (0.50) 42.20 18.60
Diluted EPS before Amortization 0.99 0.80 0.75 0.64 1.21
Pre-Provision Earnings per Share 0.88 0.73 0.73 1.21 1.26
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.