Call reports 2016
ESSA BANK & TRUST — 2016
What ESSA BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,759,256,000 | 1,763,597,000 | 1,763,469,000 | 1,770,485,000 |
| Total loans | 1,245,028,000 | 1,242,869,000 | 1,228,269,000 | 1,233,363,000 |
| Allowance for loan losses | 9,415,000 | 9,390,000 | 9,056,000 | 9,341,000 |
| Securities available for sale | 389,578,000 | 393,498,000 | 390,385,000 | 392,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,218,685,000 | 1,181,575,000 | 1,219,832,000 | 1,200,802,000 |
| Interest-bearing deposits | 1,068,026,000 | 1,040,255,000 | 1,076,852,000 | 1,055,986,000 |
| Noninterest-bearing deposits | 150,659,000 | 141,320,000 | 142,980,000 | 144,816,000 |
| Equity capital | 169,953,000 | 173,512,000 | 166,327,000 | 162,289,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 15,228,000 | 30,009,000 | 44,742,000 | 59,469,000 |
| Interest expense | 2,969,000 | 5,927,000 | 8,992,000 | 12,104,000 |
| Net interest income | 12,259,000 | 24,082,000 | 35,750,000 | 47,365,000 |
| Noninterest income | 1,681,000 | 3,584,000 | 5,486,000 | 7,360,000 |
| Noninterest expense | 10,643,000 | 21,246,000 | 32,525,000 | 42,893,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,950,000 | 2,700,000 |
| Pretax income | 3,062,000 | 5,998,000 | 8,016,000 | 10,387,000 |
| Income tax | 802,000 | 1,605,000 | 2,100,000 | 2,512,000 |
| Net income | 2,260,000 | 4,393,000 | 5,916,000 | 7,875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 155,850,000 | 158,174,000 | 152,865,000 | 154,989,000 |
| Total capital | 165,317,000 | 167,616,000 | 161,973,000 | 164,382,000 |
| Risk-weighted assets | 1,181,813,000 | 1,185,179,000 | 1,181,855,000 | 1,198,462,000 |