Call reports 2017
ESSA BANK & TRUST — 2017
What ESSA BANK & TRUST reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,749,838,000 | 1,755,864,000 | 1,778,311,000 | 1,816,231,000 |
| Total loans | 1,217,863,000 | 1,233,427,000 | 1,246,046,000 | 1,286,168,000 |
| Allowance for loan losses | 9,366,000 | 9,221,000 | 9,365,000 | 9,833,000 |
| Securities available for sale | 395,290,000 | 387,582,000 | 390,427,000 | 391,177,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,247,531,000 | 1,228,723,000 | 1,280,042,000 | 1,262,521,000 |
| Interest-bearing deposits | 1,096,470,000 | 1,073,677,000 | 1,119,591,000 | 1,110,395,000 |
| Noninterest-bearing deposits | 151,061,000 | 155,046,000 | 160,451,000 | 152,126,000 |
| Equity capital | 169,597,000 | 172,047,000 | 175,127,000 | 172,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 14,447,000 | 28,896,000 | 43,828,000 | 59,251,000 |
| Interest expense | 3,170,000 | 6,512,000 | 10,065,000 | 13,780,000 |
| Net interest income | 11,277,000 | 22,384,000 | 33,763,000 | 45,471,000 |
| Noninterest income | 1,712,000 | 3,501,000 | 6,127,000 | 8,074,000 |
| Noninterest expense | 10,322,000 | 20,561,000 | 30,946,000 | 40,942,000 |
| Provision for loan losses | 750,000 | 1,500,000 | 2,600,000 | 3,600,000 |
| Pretax income | 1,917,000 | 4,119,000 | 6,639,000 | 9,079,000 |
| Income tax | 231,000 | 676,000 | 1,207,000 | 4,951,000 |
| Net income | 1,686,000 | 3,443,000 | 5,432,000 | 4,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 156,432,000 | 158,402,000 | 160,605,000 | 159,497,000 |
| Total capital | 165,850,000 | 167,675,000 | 170,022,000 | 169,382,000 |
| Risk-weighted assets | 1,185,017,000 | 1,200,008,000 | 1,218,222,000 | 1,270,593,000 |