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Essa Bank & Trust

Investor Relations

Financial Highlights

Financial Highlights
2016 FY
9/30/2016
2017 FY
9/30/2017
2018 FY
9/30/2018
2019 FY
9/30/2019
2020 FQ2 YTD
3/31/2020
Balance Sheet ($000)
Total Assets 1,772,479 1,785,218 1,833,790 1,799,427 1,955,176
Total Net Loans 1,219,213 1,236,681 1,305,071 1,328,653 1,358,167
Total Deposits 1,214,820 1,274,861 1,336,855 1,342,830 1,327,613
Equity Attributable to Parent Company 176,344 182,727 179,186 189,508 193,666
Total Equity 176,344 182,727 179,186 189,508 193,666
Profitability (%)
Net Income($000) 7,727 7,339 6,531 12,623 6,817
Net Income Attributable to Parent($000) 7,727 7,339 6,531 12,623 6,817
ROAA 0.45 0.42 0.36 0.69 0.75
Core ROAA 0.44 0.43 0.61 0.70 0.73
ROAE 4.40 4.11 3.61 6.80 7.08
ROATCE 5.16 4.77 4.17 7.54 7.79
Core ROAE 4.31 4.24 6.09 6.91 6.88
Net Interest Margin 2.89 2.77 2.85 2.73 2.76
Reported: Net Interest Margin 2.89 2.77 2.85 2.73 2.77
Efficiency Ratio 76.80 77.05 69.26 68.63 68.45
Noninterest Inc/ Operating Rev 13.82 14.80 13.69 14.71 16.79
Balance Sheet Ratios (%)
Loans/ Deposits 101.11 97.74 98.50 99.88 103.29
Securities/ Assets 22.90 22.65 20.96 18.06 16.56
Total Equity/ Total Assets 9.95 10.24 9.77 10.53 9.91
Tangible Equity/ Tangible Assets 9.11 9.44 9.02 9.79 9.22
Tang Common Equity/ Tang Assets 9.11 9.44 9.02 9.79 9.22
Asset Quality (%)
NPAs/ Assets 1.26 0.89 0.64 0.58 0.57
NPA Excl Restructured/ Assets 1.24 0.88 0.64 0.57 0.56
NPAs & 90+ PD/ Assets 1.26 0.89 0.64 0.58 0.57
NPAs/ Loans & REO 1.82 1.28 0.89 0.77 0.81
Nonaccrual & 90+ & OREO/ Assets 1.24 0.88 0.64 0.57 0.56
NPAs & 90+ PD/ Loans & REO 1.82 1.28 0.89 0.77 0.81
NPA & Loans 90+/ Tangible Common Equity + LLR 13.26 9.05 6.70 5.55 5.79
NCOs/ Avg Loans 0.20 0.25 0.13 0.08 0.05
Loan Loss Reserves/ Gross Loans 0.74 0.75 0.89 0.94 0.96
Reserves/ NPAs 40.40 58.65 99.27 121.58 118.54
Loan Loss Provision/ NCO 105.68 110.16 238.52 183.07 268.40
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 162,882 168,205 168,161 171,532 174,141
Tier 1 Capital($000) 162,882 168,205 168,161 171,532 174,141
Tier 2 Capital($000) 9,108 9,417 12,042 12,682 13,231
Total Capital($000) 171,990 177,622 180,203 184,214 187,372
Total Risk-weighted Assets($000) 1,185,218 1,221,166 1,324,102 1,316,018 1,331,311
Tier 1 Common Capital (CET1) Ratio(%) 13.74 13.77 12.70 13.03 13.08
Tier 1 Ratio(%) 13.74 13.77 12.70 13.03 13.08
Total Capital Ratio(%) 14.51 14.55 13.59 14 14.07
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.49 9.59 9.28 9.67 9.44
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 11,393,558 11,596,263 11,782,718 11,321,417 11,105,887
Avg Diluted Shares(actual) 10,519,068 10,663,457 10,833,844 10,733,166 10,473,466
Basic Book Value per Share 15.48 15.76 15.21 16.74 17.44
Basic Tangible Book Value per Share 14.05 14.41 13.92 15.43 16.11
Common Dividends Declared per Share 0.36 0.36 0.36 0.40 0.22
EPS after Extra 0.73 0.69 0.60 1.18 0.65
EPS after Extra Growth(%) (21.50) (5.50) (13) 96.70 20.40
Core EPS 0.71 0.71 1.01 1.20 0.63
Core EPS Growth(%) (23.80) (0.50) 42.20 18.60 15.30
Diluted EPS before Amortization 0.80 0.75 0.64 1.21 0.66
Pre-Provision Earnings per Share 0.73 0.73 1.21 1.26 0.66
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.