Call reports 2021
ESSA BANK & TRUST — 2021
What ESSA BANK & TRUST reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,967,150,000 | 1,815,497,000 | 1,857,599,000 | 1,865,581,000 |
| Total loans | 1,404,871,000 | 1,387,890,000 | 1,359,347,000 | 1,357,899,000 |
| Allowance for loan losses | 17,154,000 | 17,693,000 | 18,113,000 | 18,210,000 |
| Securities available for sale | 161,240,000 | 148,171,000 | 240,581,000 | 172,154,000 |
| Securities held to maturity | 6,095,000 | 17,982,000 | 21,483,000 | 55,746,000 |
| Trading assets | 1,829,000 | 1,180,000 | 1,300,000 | 1,726,000 |
| Total deposits | 1,753,428,000 | 1,605,636,000 | 1,641,232,000 | 1,643,590,000 |
| Interest-bearing deposits | 1,476,048,000 | 1,310,803,000 | 1,370,510,000 | 1,355,105,000 |
| Noninterest-bearing deposits | 277,380,000 | 294,833,000 | 270,722,000 | 288,485,000 |
| Equity capital | 193,666,000 | 191,435,000 | 196,817,000 | 203,696,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 14,733,000 | 29,194,000 | 43,976,000 | 58,437,000 |
| Interest expense | 1,706,000 | 3,030,000 | 4,014,000 | 4,932,000 |
| Net interest income | 13,027,000 | 26,164,000 | 39,962,000 | 53,505,000 |
| Noninterest income | 3,115,000 | 5,838,000 | 8,049,000 | 10,349,000 |
| Noninterest expense | 10,345,000 | 20,814,000 | 31,572,000 | 41,729,000 |
| Provision for loan losses | 900,000 | 1,500,000 | 1,800,000 | 1,800,000 |
| Pretax income | 5,314,000 | 10,148,000 | 15,099,000 | 20,785,000 |
| Income tax | 886,000 | 1,685,000 | 2,667,000 | 3,643,000 |
| Net income | 4,428,000 | 8,463,000 | 12,432,000 | 17,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 179,987,000 | 177,684,000 | 181,814,000 | 186,852,000 |
| Total capital | 197,193,000 | 194,732,000 | 199,019,000 | 204,414,000 |
| Risk-weighted assets | 1,423,035,000 | 1,363,185,000 | 1,375,488,000 | 1,404,320,000 |