Esquire Financial Holdings (ESQ) annual income statement covering fiscal 2020 through 2025, as reported to the SEC.
An income statement shows what a company sold and what it cost to run the business, ending with the profit left over.
| Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Interest income: | |||||||||||||||||||||
Loans held for investment | |||||||||||||||||||||
119,576 | 98,458 | 81,188 | 54,007 | 41,545 | 35,588 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Loans held for investment | 119,576 | 98,458 | 81,188 | 54,007 | 41,545 | 35,588 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Securities, includes restricted stock | |||||||||||||||||||||
12,598 | 8,636 | 5,020 | 4,161 | 2,174 | 2,556 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Securities, includes restricted stock | 12,598 | 8,636 | 5,020 | 4,161 | 2,174 | 2,556 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Securities purchased under agreements to resell | |||||||||||||||||||||
- | - | 1,526 | 1,251 | 619 | 94 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Securities purchased under agreements to resell | - | - | 1,526 | 1,251 | 619 | 94 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Securities | |||||||||||||||||||||
- | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Securities | - | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Interest earning cash and other | |||||||||||||||||||||
7,243 | 6,279 | 4,154 | 1,574 | 193 | 392 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Interest earning cash and other | 7,243 | 6,279 | 4,154 | 1,574 | 193 | 392 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total interest income | |||||||||||||||||||||
139,417 | 113,373 | 91,888 | 60,993 | 44,531 | 38,630 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total interest income | 139,417 | 113,373 | 91,888 | 60,993 | 44,531 | 38,630 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Interest expense: | |||||||||||||||||||||
Savings, NOW and money market deposits | |||||||||||||||||||||
17,652 | 12,889 | 7,635 | 1,488 | 746 | 888 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Savings, NOW and money market deposits | 17,652 | 12,889 | 7,635 | 1,488 | 746 | 888 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Time deposits | |||||||||||||||||||||
280 | 551 | 476 | 155 | 79 | 297 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Time deposits | 280 | 551 | 476 | 155 | 79 | 297 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Borrowings | |||||||||||||||||||||
4 | 4 | 4 | 4 | 3 | 5 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Borrowings | 4 | 4 | 4 | 4 | 3 | 5 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total interest expense | |||||||||||||||||||||
17,936 | 13,444 | 8,115 | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total interest expense | 17,936 | 13,444 | 8,115 | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total interest expense | |||||||||||||||||||||
- | - | - | 1,647 | 828 | 1,190 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total interest expense | - | - | - | 1,647 | 828 | 1,190 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Net interest income | |||||||||||||||||||||
121,481 | 99,929 | 83,773 | 59,346 | 43,703 | 37,440 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Net interest income | 121,481 | 99,929 | 83,773 | 59,346 | 43,703 | 37,440 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Provision for credit losses | |||||||||||||||||||||
9,675 | 4,700 | 4,525 | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Provision for credit losses | 9,675 | 4,700 | 4,525 | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Provision for credit losses | |||||||||||||||||||||
- | - | - | 3,490 | 6,955 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Provision for credit losses | - | - | - | 3,490 | 6,955 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Provision for credit losses | |||||||||||||||||||||
- | - | - | - | - | 6,250 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Provision for credit losses | - | - | - | - | - | 6,250 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Net interest income after provision for credit losses | |||||||||||||||||||||
111,806 | 95,229 | 79,248 | 55,856 | 36,748 | 31,190 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Net interest income after provision for credit losses | 111,806 | 95,229 | 79,248 | 55,856 | 36,748 | 31,190 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Noninterest income: | |||||||||||||||||||||
Payment processing fees | |||||||||||||||||||||
20,215 | 20,875 | 22,316 | 21,944 | 20,856 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Payment processing fees | 20,215 | 20,875 | 22,316 | 21,944 | 20,856 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Administrative service income | |||||||||||||||||||||
2,995 | 2,738 | 2,467 | 2,534 | 29 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Administrative service income | 2,995 | 2,738 | 2,467 | 2,534 | 29 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Net gain on equity investments | |||||||||||||||||||||
432 | - | 4,013 | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Net gain on equity investments | 432 | - | 4,013 | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Customer related fees, service charges and other | |||||||||||||||||||||
1,438 | 1,282 | 955 | 359 | 434 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Customer related fees, service charges and other | 1,438 | 1,282 | 955 | 359 | 434 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Gain (loss) on loans held for sale | |||||||||||||||||||||
- | - | - | -88 | 295 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Gain (loss) on loans held for sale | - | - | - | -88 | 295 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Net gains on securities available-for-sale | |||||||||||||||||||||
- | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Net gains on securities available-for-sale | - | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Customer related fees and service charges | |||||||||||||||||||||
- | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Customer related fees and service charges | - | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Merchant processing income | |||||||||||||||||||||
- | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Merchant processing income | - | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total noninterest income | |||||||||||||||||||||
25,080 | 24,895 | 29,751 | 24,925 | 21,024 | 14,647 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total noninterest income | 25,080 | 24,895 | 29,751 | 24,925 | 21,024 | 14,647 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Noninterest expense: | |||||||||||||||||||||
Employee compensation and benefits | |||||||||||||||||||||
42,314 | 37,845 | 32,481 | 25,774 | 21,741 | 16,873 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Employee compensation and benefits | 42,314 | 37,845 | 32,481 | 25,774 | 21,741 | 16,873 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Occupancy and equipment | |||||||||||||||||||||
4,907 | 4,093 | 3,363 | 3,236 | 2,808 | 2,422 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Occupancy and equipment | 4,907 | 4,093 | 3,363 | 3,236 | 2,808 | 2,422 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Professional and consulting services | |||||||||||||||||||||
5,498 | 3,824 | 5,447 | 3,376 | 2,922 | 3,229 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Professional and consulting services | 5,498 | 3,824 | 5,447 | 3,376 | 2,922 | 3,229 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
FDIC and regulatory assessments | |||||||||||||||||||||
1,118 | 943 | 793 | 558 | 447 | 375 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
FDIC and regulatory assessments | 1,118 | 943 | 793 | 558 | 447 | 375 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Advertising and marketing | |||||||||||||||||||||
3,614 | 3,514 | 1,823 | 1,462 | 1,174 | 584 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Advertising and marketing | 3,614 | 3,514 | 1,823 | 1,462 | 1,174 | 584 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Travel and business relations | |||||||||||||||||||||
1,650 | 966 | 985 | 566 | 327 | 210 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Travel and business relations | 1,650 | 966 | 985 | 566 | 327 | 210 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
OCC assessments | |||||||||||||||||||||
- | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
OCC assessments | - | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Data processing | |||||||||||||||||||||
8,458 | 6,660 | 5,165 | 4,222 | 3,671 | 3,120 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Data processing | 8,458 | 6,660 | 5,165 | 4,222 | 3,671 | 3,120 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Other operating expenses | |||||||||||||||||||||
3,675 | 2,998 | 3,060 | 2,786 | 1,974 | 1,857 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Other operating expenses | 3,675 | 2,998 | 3,060 | 2,786 | 1,974 | 1,857 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total noninterest expense | |||||||||||||||||||||
71,234 | 60,843 | 53,117 | 41,980 | 35,064 | 28,670 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total noninterest expense | 71,234 | 60,843 | 53,117 | 41,980 | 35,064 | 28,670 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Net income before income taxes | |||||||||||||||||||||
65,652 | 59,281 | 55,882 | 38,801 | 22,708 | 17,167 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Net income before income taxes | 65,652 | 59,281 | 55,882 | 38,801 | 22,708 | 17,167 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Income tax expense | |||||||||||||||||||||
14,830 | 15,623 | 14,871 | 10,283 | 4,783 | 4,549 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Income tax expense | 14,830 | 15,623 | 14,871 | 10,283 | 4,783 | 4,549 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Net income | |||||||||||||||||||||
50,822 | 43,658 | 41,011 | 28,518 | 17,925 | 12,618 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Net income | 50,822 | 43,658 | 41,011 | 28,518 | 17,925 | 12,618 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Earnings per share | |||||||||||||||||||||
Basic | |||||||||||||||||||||
6.30 | 5.58 | 5.31 | 3.73 | 2.40 | 1.70 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Basic | 6.30 | 5.58 | 5.31 | 3.73 | 2.40 | 1.70 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Diluted | |||||||||||||||||||||
5.87 | 5.14 | 4.91 | 3.47 | 2.26 | 1.65 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Diluted | 5.87 | 5.14 | 4.91 | 3.47 | 2.26 | 1.65 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Payment processing fee | |||||||||||||||||||||
Noninterest income | |||||||||||||||||||||
- | - | - | - | - | 14,099 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Noninterest income | - | - | - | - | - | 14,099 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Customer related fees, service charges and other | |||||||||||||||||||||
Noninterest income | |||||||||||||||||||||
- | - | - | - | - | 548 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Noninterest income | - | - | - | - | - | 548 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||