Call reports 2014
ESSA BANK & TRUST — 2014
What ESSA BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,362,583,000 | 1,553,434,000 | 1,572,530,000 | 1,562,498,000 |
| Total loans | 915,018,000 | 1,058,961,000 | 1,066,901,000 | 1,067,674,000 |
| Allowance for loan losses | 8,662,000 | 8,836,000 | 8,634,000 | 8,516,000 |
| Securities available for sale | 314,304,000 | 375,000,000 | 383,053,000 | 380,919,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,007,351,000 | 1,155,073,000 | 1,137,999,000 | 1,113,534,000 |
| Interest-bearing deposits | 945,025,000 | 1,084,038,000 | 1,068,065,000 | 1,049,150,000 |
| Noninterest-bearing deposits | 62,326,000 | 71,035,000 | 69,934,000 | 64,384,000 |
| Equity capital | 164,690,000 | 165,115,000 | 164,694,000 | 164,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 11,568,000 | 25,417,000 | 38,775,000 | 52,532,000 |
| Interest expense | 2,679,000 | 5,460,000 | 8,216,000 | 10,967,000 |
| Net interest income | 8,889,000 | 19,957,000 | 30,559,000 | 41,565,000 |
| Noninterest income | 1,565,000 | 3,680,000 | 5,781,000 | 7,578,000 |
| Noninterest expense | 7,581,000 | 16,311,000 | 25,552,000 | 34,407,000 |
| Provision for loan losses | 750,000 | 1,250,000 | 1,600,000 | 2,050,000 |
| Pretax income | 2,359,000 | 6,302,000 | 9,521,000 | 13,020,000 |
| Income tax | 582,000 | 1,679,000 | 2,459,000 | 3,328,000 |
| Net income | 1,777,000 | 4,623,000 | 7,062,000 | 9,692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 154,391,000 | 151,881,000 | 154,548,000 | 152,368,000 |
| Total capital | 163,105,000 | 160,769,000 | 163,234,000 | 160,936,000 |
| Risk-weighted assets | 775,200,000 | 939,683,000 | 961,230,000 | 964,364,000 |
Machine access — free, no API key
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