Call reports 2020
ESSA BANK & TRUST — 2020
What ESSA BANK & TRUST reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,952,706,000 | 2,006,113,000 | 1,892,465,000 | 1,862,897,000 |
| Total loans | 1,371,346,000 | 1,437,462,000 | 1,433,582,000 | 1,392,059,000 |
| Allowance for loan losses | 13,179,000 | 14,330,000 | 15,400,000 | 16,141,000 |
| Securities available for sale | 306,407,000 | 295,227,000 | 212,484,000 | 174,076,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,366,000 | 2,256,000 | 2,219,000 | 1,724,000 |
| Total deposits | 1,340,652,000 | 1,501,960,000 | 1,553,245,000 | 1,639,651,000 |
| Interest-bearing deposits | 1,156,870,000 | 1,262,968,000 | 1,309,222,000 | 1,379,687,000 |
| Noninterest-bearing deposits | 183,782,000 | 238,992,000 | 244,023,000 | 259,964,000 |
| Equity capital | 189,864,000 | 187,766,000 | 187,507,000 | 186,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 16,392,000 | 32,308,000 | 47,732,000 | 62,697,000 |
| Interest expense | 4,723,000 | 8,488,000 | 11,513,000 | 13,624,000 |
| Net interest income | 11,669,000 | 23,820,000 | 36,219,000 | 49,073,000 |
| Noninterest income | 2,404,000 | 5,228,000 | 8,001,000 | 11,096,000 |
| Noninterest expense | 9,567,000 | 18,646,000 | 30,587,000 | 40,683,000 |
| Provision for loan losses | 500,000 | 1,800,000 | 2,900,000 | 3,800,000 |
| Pretax income | 4,166,000 | 8,762,000 | 13,439,000 | 18,392,000 |
| Income tax | 714,000 | 1,581,000 | 2,464,000 | 3,292,000 |
| Net income | 3,452,000 | 7,181,000 | 10,975,000 | 15,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 174,141,000 | 173,022,000 | 176,971,000 | 175,397,000 |
| Total capital | 187,372,000 | 187,404,000 | 192,423,000 | 191,590,000 |
| Risk-weighted assets | 1,331,311,000 | 1,418,201,000 | 1,400,485,000 | 1,372,412,000 |