Call reports 2013
ESSA BANK & TRUST — 2013
What ESSA BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,373,585,000 | 1,370,482,000 | 1,368,163,000 | 1,351,163,000 |
| Total loans | 947,162,000 | 950,977,000 | 936,294,000 | 930,655,000 |
| Allowance for loan losses | 7,671,000 | 8,184,000 | 8,064,000 | 8,369,000 |
| Securities available for sale | 314,839,000 | 310,502,000 | 315,596,000 | 315,804,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,013,611,000 | 1,023,877,000 | 1,046,047,000 | 1,003,811,000 |
| Interest-bearing deposits | 956,564,000 | 958,193,000 | 987,341,000 | 944,640,000 |
| Noninterest-bearing deposits | 57,047,000 | 65,684,000 | 58,706,000 | 59,171,000 |
| Equity capital | 158,463,000 | 156,727,000 | 161,701,000 | 162,118,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 12,746,000 | 25,282,000 | 37,301,000 | 49,514,000 |
| Interest expense | 2,901,000 | 5,640,000 | 8,314,000 | 11,100,000 |
| Net interest income | 9,845,000 | 19,642,000 | 28,987,000 | 38,414,000 |
| Noninterest income | 1,867,000 | 3,712,000 | 5,375,000 | 6,931,000 |
| Noninterest expense | 8,621,000 | 16,661,000 | 24,398,000 | 31,593,000 |
| Provision for loan losses | 850,000 | 1,950,000 | 2,750,000 | 3,500,000 |
| Pretax income | 2,949,000 | 5,462,000 | 7,933,000 | 10,971,000 |
| Income tax | 663,000 | 1,181,000 | 1,473,000 | 2,810,000 |
| Net income | 2,286,000 | 4,281,000 | 6,460,000 | 8,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 147,292,000 | 149,561,000 | 151,960,000 | 153,857,000 |
| Total capital | 155,015,000 | 157,797,000 | 160,076,000 | 162,278,000 |
| Risk-weighted assets | 795,736,000 | 797,060,000 | 782,535,000 | 777,830,000 |