Esquire financial holdings, inc. (ESQ)
Income statement / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Sep'16Jun'16
Interest income:
Loans

8,441

8,266

8,312

8,020

7,192

6,997

6,432

5,657

5,289

5,035

4,630

4,062

3,827

3,539

3,446

Securities

886

836

950

1,058

1,065

1,039

1,035

1,006

865

-

-

-

-

-

-

Securities

-

-

-

-

-

-

-

-

-

-

631

628

550

498

490

Interest earning deposits and other

246

254

236

244

226

161

153

201

116

77

93

66

55

39

34

Total interest income

9,573

9,356

9,498

9,322

8,483

8,197

7,620

6,864

6,270

5,852

5,354

4,756

4,432

4,076

3,970

Interest expense:
Savings, NOW and money market deposits

297

405

625

611

429

329

291

167

121

108

101

106

109

111

106

Time deposits

96

97

125

126

125

135

41

51

48

24

22

25

22

23

20

Borrowings

1

2

1

1

1

7

12

5

5

5

5

5

6

6

6

Total interest expense

394

504

751

738

555

471

344

223

174

137

128

136

137

140

132

Net interest income

9,179

8,852

8,747

8,584

7,928

7,726

7,276

6,641

6,096

5,715

5,226

4,620

4,295

3,936

3,838

Provision for loan losses

1,900

600

425

400

425

400

450

300

225

180

275

300

150

180

130

Net interest income after provision for loan losses

7,279

8,252

8,322

8,184

7,503

7,326

6,826

6,341

5,871

5,535

4,951

4,320

4,145

3,756

3,708

Non-interest income:
Customer related fees and service charges

-

-

-

-

-

-

-

-

-

-

-

-

366

283

249

Merchant processing income

-

-

-

-

-

-

-

-

-

-

-

-

838

774

793

Total non-interest income

3,121

3,165

3,475

3,090

2,081

2,000

1,800

1,980

2,075

1,608

1,345

1,359

1,204

1,057

1,042

Non-interest expense:
Employee compensation and benefits

3,978

3,837

3,817

3,587

3,436

2,809

4,161

3,008

3,061

2,892

2,466

2,369

2,345

2,114

1,985

Occupancy and equipment, net

546

514

517

443

439

449

429

432

426

403

393

374

387

359

272

Professional and consulting services

847

772

816

837

494

730

547

684

628

449

548

516

389

393

499

FDIC and regulatory assessments

91

30

40

86

86

87

79

83

72

65

73

76

42

37

31

Advertising and marketing

104

126

230

294

68

82

146

171

125

145

134

96

110

90

99

Travel and business relations

127

176

136

124

112

120

116

111

157

108

92

122

106

95

97

OCC assessments

-

-

-

-

-

-

-

-

-

-

-

-

29

27

28

Data processing

729

613

638

713

506

481

485

446

484

464

466

409

370

302

339

Other operating expenses

444

274

410

423

340

645

367

354

320

318

253

207

246

203

174

Total non-interest expense

6,866

6,342

6,604

6,507

5,481

5,403

6,330

5,289

5,273

4,815

4,425

4,169

4,024

3,620

3,524

Net income before income taxes

3,534

5,075

5,193

4,767

4,103

3,923

2,296

3,032

2,673

2,328

1,871

1,510

1,325

1,193

1,226

Income tax expense

937

1,202

1,376

1,299

1,118

1,050

614

811

715

1,667

730

483

510

453

478

Net income

2,597

3,873

3,817

3,468

2,985

2,873

1,682

2,221

1,958

661

1,141

1,027

815

740

748

Earnings per share
Basic (in dollars per share)

0.35

0.52

0.52

0.47

0.40

0.38

0.23

0.30

0.27

0.07

0.16

0.20

0.16

0.15

0.15

Diluted (in dollars per share)

0.33

0.49

0.49

0.45

0.39

0.36

0.22

0.29

0.26

0.06

0.16

0.20

0.16

0.14

0.15

Merchant processing income
Noninterest income

2,956

2,983

3,284

2,895

1,814

1,429

1,300

1,211

1,021

-

-

-

-

-

-

Customer related fees and service charges
Noninterest income

165

182

191

195

267

571

500

769

1,054

-

-

-

-

-

-