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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 FY
9/30/2018
Balance Sheet ($000)
Total Assets 1,574,815 1,606,544 1,772,479 1,785,218 1,833,790
Total Net Loans 1,058,267 1,102,118 1,219,213 1,236,681 1,305,071
Total Deposits 1,133,889 1,096,754 1,214,820 1,274,861 1,336,855
Equity Attributable to Parent Company 167,309 171,280 176,344 182,727 179,186
Total Equity 167,309 171,280 176,344 182,727 179,186
Profitability (%)
Net Income($000) 8,504 9,791 7,727 7,339 6,531
Net Income Attributable to Parent($000) 8,504 9,791 7,727 7,339 6,531
ROAA 0.58 0.62 0.45 0.42 0.36
Core ROAA 0.63 0.62 0.44 0.43 0.60
ROAE 5.01 5.68 4.40 4.11 3.61
ROATCE 5.79 6.38 5.16 4.77 4.17
Core ROAE 5.36 5.73 4.31 4.24 6.01
Net Interest Margin 2.97 2.96 2.89 2.77 2.85
Reported: Net Interest Margin 2.97 2.96 2.89 2.77 2.85
Efficiency Ratio 69.81 70.91 76.80 77.05 69.59
Noninterest Inc/ Operating Rev 14.54 13.97 13.82 14.80 13.69
Balance Sheet Ratios (%)
Loans/ Deposits 94.09 101.30 101.11 97.74 98.50
Securities/ Assets 25.23 24.48 22.90 22.65 20.96
Total Equity/ Total Assets 10.62 10.66 9.95 10.24 9.77
Tangible Equity/ Tangible Assets 9.90 9.99 9.11 9.44 9.02
Tang Common Equity/ Tang Assets 9.90 9.99 9.11 9.44 9.02
Asset Quality (%)
NPAs/ Assets 1.75 1.53 1.26 0.89 NA
NPA Excl Restructured/ Assets 1.59 1.41 1.24 0.88 NA
NPAs & 90+ PD/ Assets 1.75 1.53 1.26 0.89 NA
NPAs/ Loans & REO 2.58 2.21 1.82 1.28 NA
Nonaccrual & 90+ & OREO/ Assets 1.59 1.41 1.24 0.88 NA
NPAs & 90+ PD/ Loans & REO 2.58 2.21 1.82 1.28 NA
NPA & Loans 90+/ Tangible Common Equity + LLR 16.89 14.66 13.26 9.05 NA
NCOs/ Avg Loans 0.18 0.17 0.20 0.25 0.13
Loan Loss Reserves/ Gross Loans 0.81 0.80 0.74 0.75 0.89
Reserves/ NPAs 31.31 36.18 40.40 58.65 NA
Loan Loss Provision/ NCO 132.02 115.92 105.68 110.16 238.66
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 154,549 162,669 162,882 168,205 NA
Tier 1 Capital($000) 154,549 162,669 162,882 168,205 NA
Tier 2 Capital($000) NA 8,971 9,108 9,417 NA
Total Capital($000) 162,767 171,640 171,990 177,622 NA
Total Risk-weighted Assets($000) 961,230 1,026,491 1,185,218 1,221,166 NA
Tier 1 Common Capital (CET1) Ratio(%) 16.08 15.85 13.74 13.77 NA
Tier 1 Ratio(%) 16.08 15.85 13.74 13.77 NA
Total Capital Ratio(%) 16.98 16.72 14.51 14.55 NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.04 10.28 9.49 9.59 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 11,590,378 11,353,244 11,393,558 11,596,263 11,782,718
Avg Diluted Shares(actual) 10,820,915 10,543,130 10,519,068 10,663,457 10,833,845
Basic Book Value per Share 14.44 15.09 15.48 15.76 15.21
Basic Tangible Book Value per Share 13.34 14.03 14.05 14.41 13.92
Common Dividends Declared per Share 0.26 0.34 0.36 0.36 0.36
EPS after Extra 0.79 0.93 0.73 0.69 0.60
EPS after Extra Growth(%) 3.90 17.70 (21.50) (5.50) (13)
Core EPS 0.84 0.94 0.71 0.71 1
Core EPS Growth(%) 9.20 11.10 (23.80) (0.50) 40.40
Diluted EPS before Amortization 0.88 0.99 0.80 0.75 0.64
Pre-Provision Earnings per Share 0.83 0.88 0.73 0.73 1.20
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.