Call reports 2015
ESSA BANK & TRUST — 2015
What ESSA BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,580,587,000 | 1,596,359,000 | 1,602,802,000 | 1,758,235,000 |
| Total loans | 1,087,162,000 | 1,101,294,000 | 1,111,037,000 | 1,237,265,000 |
| Allowance for loan losses | 8,668,000 | 8,767,000 | 8,919,000 | 9,257,000 |
| Securities available for sale | 383,326,000 | 381,350,000 | 379,382,000 | 393,546,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,112,424,000 | 1,087,234,000 | 1,101,094,000 | 1,247,231,000 |
| Interest-bearing deposits | 1,009,227,000 | 983,750,000 | 1,002,512,000 | 1,094,193,000 |
| Noninterest-bearing deposits | 103,197,000 | 103,484,000 | 98,582,000 | 153,038,000 |
| Equity capital | 168,189,000 | 168,305,000 | 167,113,000 | 164,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 13,642,000 | 27,271,000 | 40,651,000 | 54,546,000 |
| Interest expense | 2,669,000 | 5,316,000 | 8,005,000 | 10,820,000 |
| Net interest income | 10,973,000 | 21,955,000 | 32,646,000 | 43,726,000 |
| Noninterest income | 1,777,000 | 3,462,000 | 5,234,000 | 6,981,000 |
| Noninterest expense | 9,061,000 | 18,277,000 | 27,351,000 | 36,757,000 |
| Provision for loan losses | 525,000 | 1,050,000 | 1,625,000 | 2,225,000 |
| Pretax income | 3,368,000 | 6,487,000 | 9,689,000 | 12,513,000 |
| Income tax | 872,000 | 1,509,000 | 2,202,000 | 2,776,000 |
| Net income | 2,496,000 | 4,978,000 | 7,487,000 | 9,737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 156,271,000 | 158,872,000 | 158,502,000 | 154,023,000 |
| Total capital | 164,991,000 | 167,691,000 | 167,473,000 | 163,332,000 |
| Risk-weighted assets | 999,243,000 | 1,010,486,000 | 1,024,452,000 | 1,171,068,000 |