Call reports 2018
ESSA BANK & TRUST — 2018
What ESSA BANK & TRUST reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,814,177,000 | 1,821,308,000 | 1,828,833,000 | 1,858,718,000 |
| Total loans | 1,301,772,000 | 1,312,719,000 | 1,316,759,000 | 1,346,525,000 |
| Allowance for loan losses | 10,510,000 | 11,130,000 | 11,688,000 | 12,221,000 |
| Securities available for sale | 377,350,000 | 371,088,000 | 371,418,000 | 376,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,251,575,000 | 1,284,709,000 | 1,343,711,000 | 1,316,357,000 |
| Interest-bearing deposits | 1,098,846,000 | 1,119,576,000 | 1,185,023,000 | 1,153,900,000 |
| Noninterest-bearing deposits | 152,729,000 | 165,133,000 | 158,688,000 | 162,457,000 |
| Equity capital | 170,337,000 | 172,251,000 | 173,431,000 | 179,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 15,905,000 | 32,666,000 | 49,281,000 | 66,198,000 |
| Interest expense | 4,026,000 | 8,296,000 | 13,002,000 | 18,100,000 |
| Net interest income | 11,879,000 | 24,370,000 | 36,279,000 | 48,098,000 |
| Noninterest income | 1,767,000 | 3,600,000 | 5,469,000 | 7,642,000 |
| Noninterest expense | 9,785,000 | 19,528,000 | 28,851,000 | 38,497,000 |
| Provision for loan losses | 1,100,000 | 2,075,000 | 3,000,000 | 3,876,000 |
| Pretax income | 2,836,000 | 6,439,000 | 10,056,000 | 13,530,000 |
| Income tax | 525,000 | 1,021,000 | 1,647,000 | 2,120,000 |
| Net income | 2,311,000 | 5,418,000 | 8,409,000 | 11,410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 161,706,000 | 165,018,000 | 168,161,000 | 171,501,000 |
| Total capital | 172,268,000 | 176,200,000 | 179,901,000 | 183,774,000 |
| Risk-weighted assets | 1,300,203,000 | 1,314,933,000 | 1,324,072,000 | 1,339,460,000 |