Call reports 2012
ESSA BANK & TRUST — 2012
What ESSA BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,113,245,000 | 1,112,300,000 | 1,412,990,000 | 1,401,102,000 |
| Total loans | 749,715,000 | 748,299,000 | 958,367,000 | 950,636,000 |
| Allowance for loan losses | 8,098,000 | 7,100,000 | 7,302,000 | 7,555,000 |
| Securities available for sale | 277,577,000 | 276,496,000 | 328,305,000 | 331,402,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 677,096,000 | 696,235,000 | 999,394,000 | 975,158,000 |
| Interest-bearing deposits | 639,522,000 | 650,167,000 | 957,298,000 | 927,864,000 |
| Noninterest-bearing deposits | 37,574,000 | 46,068,000 | 42,096,000 | 47,294,000 |
| Equity capital | 159,622,000 | 162,239,000 | 168,082,000 | 171,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 10,867,000 | 21,472,000 | 34,265,000 | 48,255,000 |
| Interest expense | 4,161,000 | 8,100,000 | 12,005,000 | 15,337,000 |
| Net interest income | 6,706,000 | 13,372,000 | 22,260,000 | 32,918,000 |
| Noninterest income | 1,406,000 | 2,892,000 | 4,732,000 | 6,903,000 |
| Noninterest expense | 6,434,000 | 12,740,000 | 24,675,000 | 32,186,000 |
| Provision for loan losses | 650,000 | 1,250,000 | 2,050,000 | 3,050,000 |
| Pretax income | 1,175,000 | 2,421,000 | 610,000 | 4,929,000 |
| Income tax | 268,000 | 513,000 | -161,000 | 1,199,000 |
| Net income | 907,000 | 1,908,000 | 771,000 | 3,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 158,711,000 | 159,979,000 | 155,125,000 | 159,363,000 |
| Total capital | 166,443,000 | 167,134,000 | 162,483,000 | 166,970,000 |
| Risk-weighted assets | 617,622,000 | 617,160,000 | 824,531,000 | 796,935,000 |