Call reports 2019
ESSA BANK & TRUST — 2019
What ESSA BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,828,700,000 | 1,794,088,000 | 1,795,986,000 | 1,803,988,000 |
| Total loans | 1,347,586,000 | 1,339,229,000 | 1,341,283,000 | 1,358,058,000 |
| Allowance for loan losses | 12,389,000 | 12,606,000 | 12,630,000 | 12,747,000 |
| Securities available for sale | 348,617,000 | 325,327,000 | 313,393,000 | 312,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 54,000 |
| Total deposits | 1,304,285,000 | 1,345,562,000 | 1,349,663,000 | 1,359,781,000 |
| Interest-bearing deposits | 1,135,975,000 | 1,168,833,000 | 1,173,285,000 | 1,184,048,000 |
| Noninterest-bearing deposits | 168,310,000 | 176,729,000 | 176,378,000 | 175,733,000 |
| Equity capital | 176,218,000 | 181,484,000 | 185,119,000 | 183,971,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 17,170,000 | 34,195,000 | 51,011,000 | 67,582,000 |
| Interest expense | 5,529,000 | 10,949,000 | 16,167,000 | 20,988,000 |
| Net interest income | 11,641,000 | 23,246,000 | 34,844,000 | 46,594,000 |
| Noninterest income | 1,954,000 | 3,722,000 | 5,760,000 | 7,919,000 |
| Noninterest expense | 9,545,000 | 18,949,000 | 28,043,000 | 37,703,000 |
| Provision for loan losses | 600,000 | 1,000,000 | 1,200,000 | 1,575,000 |
| Pretax income | 3,489,000 | 7,058,000 | 11,401,000 | 15,496,000 |
| Income tax | 629,000 | 1,219,000 | 1,884,000 | 2,584,000 |
| Net income | 2,860,000 | 5,839,000 | 9,517,000 | 12,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 164,533,000 | 167,663,000 | 171,532,000 | 167,096,000 |
| Total capital | 176,974,000 | 180,321,000 | 184,214,000 | 179,895,000 |
| Risk-weighted assets | 1,328,547,000 | 1,318,206,000 | 1,316,018,000 | 1,327,185,000 |