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Essa Bank & Trust

Investor Relations

Financial Highlights

Financial Highlights
2013 FY
9/30/2013
2014 FY
9/30/2014
2015 FY
9/30/2015
2016 FY
9/30/2016
2017 FY
9/30/2017
Balance Sheet ($000)
Total Assets 1,372,315 1,574,815 1,606,544 1,772,479 1,785,218
Total Net Loans 928,230 1,058,267 1,102,118 1,219,213 1,236,681
Total Deposits 1,041,059 1,133,889 1,096,754 1,214,820 1,274,861
Equity Attributable to Parent Company 166,446 167,309 171,280 176,344 182,727
Total Equity 166,446 167,309 171,280 176,344 182,727
Profitability (%)
Net Income($000) 8,823 8,504 9,791 7,727 7,339
Net Income Attributable to Parent($000) 8,823 8,504 9,791 7,727 7,339
ROAA 0.64 0.58 0.62 0.45 0.42
Core ROAA 0.65 0.63 0.62 0.44 0.43
ROAE 5.12 5.01 5.68 4.40 4.11
ROATCE 5.89 5.79 6.38 5.16 4.77
Core ROAE 5.21 5.36 5.73 4.31 4.24
Net Interest Margin 3.08 2.97 2.96 2.89 2.77
Reported: Net Interest Margin 3.08 2.97 2.96 2.89 2.77
Efficiency Ratio 67.78 69.81 70.91 76.80 77.05
Noninterest Inc/ Operating Rev 15.44 14.54 13.97 13.82 14.80
Balance Sheet Ratios (%)
Loans/ Deposits 89.94 94.09 101.30 101.11 97.74
Securities/ Assets 23.69 25.23 24.48 22.90 22.65
Total Equity/ Total Assets 12.13 10.62 10.66 9.95 10.24
Tangible Equity/ Tangible Assets 11.40 9.90 9.99 9.11 9.44
Tang Common Equity/ Tang Assets 11.40 9.90 9.99 9.11 9.44
Asset Quality (%)
NPAs/ Assets 2.42 1.75 1.53 1.26 0.89
NPA Excl Restructured/ Assets 1.89 1.59 1.41 1.24 0.88
NPAs & 90+ PD/ Assets 2.42 1.75 1.53 1.26 0.89
NPAs/ Loans & REO 3.54 2.58 2.21 1.82 1.28
Nonaccrual & 90+ & OREO/ Assets 1.89 1.59 1.41 1.24 0.88
NPAs & 90+ PD/ Loans & REO 3.54 2.58 2.21 1.82 1.28
NPA & Loans 90+/ Tangible Common Equity + LLR 20.35 16.89 14.66 13.26 9.05
NCOs/ Avg Loans 0.32 0.18 0.17 0.20 0.25
Loan Loss Reserves/ Gross Loans 0.86 0.81 0.80 0.74 0.75
Reserves/ NPAs 24.28 31.31 36.18 40.40 58.65
Loan Loss Provision/ NCO 125.50 132.02 115.92 105.68 110.16
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 151,959 154,549 162,669 162,882 168,205
Tier 1 Capital($000) 151,959 154,549 162,669 162,882 168,205
Tier 2 Capital($000) NA NA 8,971 9,108 9,417
Total Capital($000) 159,256 162,767 171,640 171,990 177,622
Total Risk-weighted Assets($000) 782,536 961,230 1,026,491 1,185,218 1,221,166
Tier 1 Common Capital (CET1) Ratio(%) 19.42 16.08 15.85 13.74 13.77
Tier 1 Ratio(%) 19.42 16.08 15.85 13.74 13.77
Total Capital Ratio(%) 20.35 16.98 16.72 14.51 14.55
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.03 10.04 10.28 9.49 9.59
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 11,945,564 11,590,378 11,353,244 11,393,558 11,596,263
Avg Diluted Shares(actual) 11,559,554 10,820,915 10,543,130 10,519,068 10,663,457
Basic Book Value per Share 13.93 14.44 15.09 15.48 15.76
Basic Tangible Book Value per Share 12.99 13.34 14.03 14.05 14.41
Common Dividends Declared per Share 0.20 0.26 0.34 0.36 0.36
EPS after Extra 0.76 0.79 0.93 0.73 0.69
EPS after Extra Growth(%) NM 3.90 17.70 (21.50) (5.50)
Core EPS 0.77 0.84 0.94 0.71 0.71
Core EPS Growth(%) 98.50 9.20 11.10 (23.80) (0.50)
Diluted EPS before Amortization 0.85 0.88 0.99 0.80 0.75
Pre-Provision Earnings per Share 0.82 0.83 0.88 0.73 0.73
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.