Call reports 2023
ESSA BANK & TRUST — 2023
What ESSA BANK & TRUST reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,980,138,000 | 2,181,313,000 | 2,287,092,000 | 2,217,379,000 |
| Total loans | 1,587,653,000 | 1,629,286,000 | 1,699,300,000 | 1,720,158,000 |
| Allowance for loan losses | 18,315,000 | 18,220,000 | 18,525,000 | 15,430,000 |
| Securities available for sale | 203,291,000 | 287,983,000 | 334,055,000 | 288,768,000 |
| Securities held to maturity | 54,904,000 | 53,570,000 | 52,242,000 | 51,011,000 |
| Trading assets | 7,038,000 | 8,118,000 | 9,769,000 | 6,885,000 |
| Total deposits | 1,442,234,000 | 1,540,502,000 | 1,667,775,000 | 1,600,440,000 |
| Interest-bearing deposits | 1,184,068,000 | 1,276,037,000 | 1,405,948,000 | 1,344,713,000 |
| Noninterest-bearing deposits | 258,166,000 | 264,465,000 | 261,827,000 | 255,727,000 |
| Equity capital | 212,957,000 | 214,125,000 | 210,505,000 | 209,772,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 20,023,000 | 41,779,000 | 66,873,000 | 92,938,000 |
| Interest expense | 5,097,000 | 11,770,000 | 21,444,000 | 32,823,000 |
| Net interest income | 14,926,000 | 30,009,000 | 45,429,000 | 60,115,000 |
| Noninterest income | 2,034,000 | 3,939,000 | 5,754,000 | 7,582,000 |
| Noninterest expense | 11,138,000 | 22,454,000 | 33,551,000 | 45,033,000 |
| Provision for loan losses | 150,000 | 300,000 | 550,000 | 153,000 |
| Pretax income | 5,672,000 | 11,194,000 | 16,962,000 | 22,201,000 |
| Income tax | 1,038,000 | 2,179,000 | 3,345,000 | 4,347,000 |
| Net income | 4,634,000 | 9,015,000 | 13,617,000 | 17,854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 202,854,000 | 207,367,000 | 206,106,000 | 203,213,000 |
| Total capital | 221,221,000 | 225,639,000 | 224,683,000 | 220,722,000 |
| Risk-weighted assets | 1,655,594,000 | 1,662,923,000 | 1,727,489,000 | 1,721,470,000 |