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

33,039

31,790

30,521

28,641

26,278

24,375

22,413

20,611

19,016

17,554

16,058

14,874

0

0

0

Securities

3,730

3,909

4,112

4,197

4,145

3,945

0

0

0

-

-

-

-

-

-

Securities

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

Interest earning deposits and other

980

960

867

784

741

631

547

487

352

291

253

194

0

0

0

Total interest income

37,749

36,659

35,500

33,622

31,164

28,951

26,606

24,340

22,232

20,394

18,618

17,234

0

0

0

Interest expense:
Savings, NOW and money market deposits

1,938

2,070

1,994

1,660

1,216

908

687

497

436

424

427

432

0

0

0

Time deposits

444

473

511

427

352

275

164

145

119

93

92

90

0

0

0

Borrowings

5

5

10

21

25

29

27

20

20

21

22

23

0

0

0

Total interest expense

2,387

2,548

2,515

2,108

1,593

1,212

878

662

575

538

541

545

0

0

0

Net interest income

35,362

34,111

32,985

31,514

29,571

27,739

25,728

23,678

21,657

19,856

18,077

16,689

0

0

0

Provision for loan losses

3,325

1,850

1,650

1,675

1,575

1,375

1,155

980

980

905

905

760

0

0

0

Net interest income after provision for loan losses

32,037

32,261

31,335

29,839

27,996

26,364

24,573

22,698

20,677

18,951

17,172

15,929

0

0

0

Non-interest income:
Customer related fees and service charges

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Merchant processing income

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Total non-interest income

12,851

11,811

10,646

8,971

7,861

7,855

7,463

7,008

6,387

5,516

4,965

4,662

0

0

0

Non-interest expense:
Employee compensation and benefits

15,219

14,677

13,649

13,993

13,414

13,039

13,122

11,427

10,788

10,072

9,294

8,813

0

0

0

Occupancy and equipment, net

2,020

1,913

1,848

1,760

1,749

1,736

1,690

1,654

1,596

1,557

1,513

1,392

0

0

0

Professional and consulting services

3,272

2,919

2,877

2,608

2,455

2,589

2,308

2,309

2,141

1,902

1,846

1,797

0

0

0

FDIC and regulatory assessments

247

242

299

338

335

321

299

293

286

256

228

186

0

0

0

Advertising and marketing

754

718

674

590

467

524

587

575

500

485

430

395

0

0

0

Travel and business relations

563

548

492

472

459

504

492

468

479

428

415

420

0

0

0

OCC assessments

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Data processing

2,693

2,470

2,338

2,185

1,918

1,896

1,879

1,860

1,823

1,709

1,547

1,420

0

0

0

Other operating expenses

1,551

1,447

1,818

1,775

1,706

1,686

1,359

1,245

1,098

1,024

909

830

0

0

0

Total non-interest expense

26,319

24,934

23,995

23,721

22,503

22,295

21,707

19,802

18,682

17,433

16,238

15,337

0

0

0

Net income before income taxes

18,569

19,138

17,986

15,089

13,354

11,924

10,329

9,904

8,382

7,034

5,899

5,254

0

0

0

Income tax expense

4,814

4,995

4,843

4,081

3,593

3,190

3,807

3,923

3,595

3,390

2,176

1,924

0

0

0

Net income

13,755

14,143

13,143

11,008

9,761

8,734

6,522

5,981

4,787

3,644

3,723

3,330

0

0

0

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

12,118

10,976

9,422

7,438

5,754

4,961

0

0

0

-

-

-

-

-

-

Customer related fees and service charges
Noninterest income

733

835

1,224

1,533

2,107

2,894

0

0

0

-

-

-

-

-

-