Essa bancorp, inc. (ESSA)
Income statement / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11Dec'10Jun'10
INTEREST INCOME
Loans receivable, including fees

14,005

14,190

14,276

14,297

14,042

13,907

13,695

13,968

12,953

12,783

12,293

11,819

11,799

12,251

12,328

12,377

12,805

11,574

11,120

11,398

11,100

11,449

11,209

11,807

9,843

10,523

10,434

11,032

11,041

12,237

11,018

8,880

9,145

9,341

-

9,683

-

9,844

10,105

Investment securities:
Loans receivable, including fees

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

9,795

-

-

Taxable

1,945

1,957

2,068

2,258

2,530

2,482

2,356

2,226

2,186

2,058

2,052

2,073

2,043

1,874

1,818

1,863

1,903

1,818

1,770

1,741

1,799

1,889

1,703

1,632

1,523

1,527

1,400

1,370

1,558

1,630

1,681

1,636

1,628

1,638

1,934

2,092

2,016

1,922

1,925

Exempt from federal income tax

48

48

48

57

94

136

147

183

285

288

287

295

303

309

298

277

255

244

244

248

239

234

232

173

72

73

72

73

73

54

51

55

55

48

39

66

75

78

78

Other investment income

346

318

370

388

462

344

364

341

423

247

249

221

234

216

225

206

196

179

189

181

442

136

142

173

85

59

65

16

18

29

11

5

6

2

-

1

1

-

3

Total interest income

16,344

16,513

16,762

17,000

17,128

16,869

16,562

16,718

15,847

15,376

14,881

14,408

14,379

14,650

14,669

14,723

15,159

13,815

13,323

13,568

13,580

13,708

13,286

13,785

11,523

12,182

11,971

12,491

12,690

13,950

12,761

10,576

10,834

11,029

11,603

11,842

11,887

11,844

12,111

INTEREST EXPENSE
Deposits

3,228

3,333

3,709

3,770

3,555

3,388

3,011

2,561

2,359

2,377

2,204

2,186

2,069

2,012

1,903

1,903

1,944

1,845

1,782

1,800

1,878

1,965

1,998

2,015

1,906

1,988

1,832

1,757

1,848

1,971

1,959

1,780

1,836

1,911

2,063

1,932

1,795

1,696

1,769

Short-term borrowings

489

505

549

673

1,172

1,077

989

992

951

584

526

376

296

251

274

175

115

94

107

118

103

103

76

54

27

23

20

27

46

36

14

7

6

5

0

1

23

22

1

Other borrowings

895

849

826

842

669

519

592

603

602

647

728

686

710

755

792

786

816

784

708

639

597

590

589

619

652

680

726

858

912

1,224

1,935

2,053

2,221

2,405

-

2,549

-

-

-

Other borrowings

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,727

2,996

3,670

Total interest expense

4,612

4,687

5,084

5,285

5,396

4,984

4,592

4,156

3,912

3,608

3,458

3,248

3,075

3,018

2,969

2,864

2,875

2,723

2,597

2,557

2,578

2,658

2,663

2,688

2,585

2,691

2,578

2,642

2,806

3,231

3,908

3,840

4,063

4,321

4,539

4,482

4,545

4,714

5,440

NET INTEREST INCOME

11,732

11,826

11,678

11,715

11,732

11,885

11,970

12,562

11,935

11,768

11,423

11,160

11,304

11,632

11,700

11,859

12,284

11,092

10,726

11,011

11,002

11,050

10,623

11,097

8,938

9,491

9,393

9,849

9,884

10,719

8,853

6,736

6,771

6,708

7,064

7,360

7,342

7,130

6,671

Provision for loan losses

500

375

200

400

600

876

925

975

1,100

1,000

1,100

750

750

750

750

600

600

600

575

525

525

450

350

500

750

750

800

1,100

850

1,000

800

600

650

500

450

475

650

480

500

NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES

11,232

11,451

11,478

11,315

11,132

11,009

11,045

11,587

10,835

10,768

10,323

10,410

10,554

10,882

10,950

11,259

11,684

10,492

10,151

10,486

10,477

10,600

10,273

10,597

8,188

8,741

8,593

8,749

9,034

9,719

8,053

6,136

6,121

6,208

6,614

6,885

6,692

6,650

6,171

NONINTEREST INCOME
Service fees on deposit accounts

778

827

838

834

784

863

837

832

821

883

-

876

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Services charges and fees on loans

700

533

331

288

276

330

309

342

299

369

-

285

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Realized and unrealized gain (loss) on equity securities

-6

1

-

2

3

-2

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Trust and investment fees

429

318

365

260

235

239

288

255

237

240

-

183

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sale of investment securities available for sale, net

160

221

-

1

39

4

-

-

75

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sale of investment securities, net

-

-

-

-

-

-

-

-

-

-

-

295

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Service fees on deposit accounts

-

-

-

-

-

-

-

-

-

-

-

-

813

864

895

919

875

863

845

842

757

827

843

828

722

792

818

797

711

807

813

670

661

727

760

768

729

762

799

Services charges and fees on loans

-

-

-

-

-

-

-

-

-

-

-

-

273

354

327

272

297

280

289

274

274

315

293

283

104

185

-

-

-

-

-

-

-

-

-

-

-

-

-

Services charges and fees on loans

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

277

268

229

197

166

200

184

-

142

-

-

-

Services charges and fees on loans

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

145

210

126

Trust and investment fees

-

-

-

-

-

-

-

-

-

-

-

-

214

150

177

196

194

213

241

218

204

238

205

260

230

211

212

230

196

215

221

262

207

215

255

190

195

211

203

Gain on sale of investments, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

477

413

365

3

-

194

204

-

-

-10

236

-

0

11

708

30

-

-

147

-

-

56

-

-

305

Gain on sale of investments, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

115

-

-

Gain on sale of loans, net

144

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

11

81

334

-

19

8

-

0

0

0

3

41

Earnings on Bank-owned life insurance

235

241

245

242

240

244

250

250

249

255

258

256

256

263

245

229

234

230

234

231

231

239

236

234

225

228

240

235

248

226

218

194

196

198

200

170

131

137

135

Insurance commissions

238

208

206

217

194

201

189

200

204

171

170

181

203

193

206

221

217

199

208

183

217

182

216

205

227

193

200

231

232

175

185

177

195

191

-

125

-

-

-

Gain on acquisition

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

241

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other

27

77

114

18

297

247

42

18

60

51

493

44

25

33

66

46

95

29

28

6

14

13

28

59

8

18

17

8

14

10

8

7

9

9

-

8

-

-

-

Other

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

8

12

10

Total noninterest income

2,705

2,426

2,101

1,862

2,068

2,126

2,002

1,897

1,945

1,969

2,438

2,120

1,784

1,857

2,393

2,296

2,277

1,817

2,233

1,948

1,901

1,814

1,928

2,100

1,752

1,627

1,740

1,800

2,458

2,026

2,093

1,495

1,623

1,524

2,208

1,459

1,323

1,335

1,619

NONINTEREST EXPENSE
Compensation and employee benefits

6,077

6,238

5,992

5,878

6,035

6,124

5,455

5,820

6,024

6,008

6,091

6,096

6,056

6,177

6,119

5,930

6,003

5,578

5,047

5,213

5,232

5,114

5,343

4,912

4,357

4,308

4,688

4,690

5,068

4,556

4,480

3,888

3,980

3,936

4,153

3,899

3,933

3,880

3,731

Occupancy and equipment

1,069

1,067

1,027

1,024

1,112

1,026

1,041

1,049

1,186

1,185

1,085

1,106

1,190

1,091

1,258

1,340

1,422

1,109

1,039

996

1,134

981

1,016

1,051

1,065

918

960

956

1,030

949

890

756

776

756

740

758

796

777

823

Professional fees

533

459

450

434

646

524

612

564

626

566

736

570

835

745

816

588

672

453

545

517

407

514

535

441

498

409

415

549

592

312

136

339

403

490

228

411

420

429

373

Data processing

1,085

1,017

890

925

930

903

864

880

888

929

884

908

931

934

964

998

1,079

919

883

861

892

813

844

977

769

680

752

687

805

663

546

523

507

482

469

477

481

449

524

Advertising

118

116

200

140

204

155

213

331

201

158

337

254

241

305

524

297

153

87

249

373

224

128

170

243

114

106

149

170

145

110

152

110

67

86

124

165

183

186

208

Federal Deposit Insurance Corporation (FDIC) premiums

205

133

-190

238

182

187

192

234

256

189

225

245

213

187

248

312

322

278

275

269

289

292

272

266

235

229

208

261

293

185

286

168

167

162

161

196

222

184

157

Loss (gain) on foreclosed real estate

-86

20

12

-35

-11

115

24

-4

-32

36

250

19

5

96

47

77

-161

10

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(Gain) loss on foreclosed real estate

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-8

137

38

-

65

93

-

-

-

-

-

-

-

-

-

-

-

-94

106

-

(Gain)/loss on foreclosed real estate

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

42

-

-100

-172

-226

22

-17

40

67

-

81

-

-

-

Merger-related costs

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

245

-

-

-

-

0

176

88

258

-

-

-

-

-

168

227

-

-

0

-

-

-

Amortization of intangible assets

68

72

74

74

77

84

88

102

135

144

158

158

164

163

175

191

223

174

151

157

163

166

203

282

237

237

242

250

249

250

193

81

81

81

-

54

-

-

-

Other

583

681

741

770

514

764

979

1,179

640

1,139

946

1,002

879

896

1,258

1,072

1,071

953

949

965

894

996

1,051

812

614

561

569

691

780

706

610

510

626

602

487

526

514

627

519

Total noninterest expense

9,824

9,763

9,172

9,518

9,711

9,652

9,420

10,163

9,988

10,282

10,212

10,320

10,504

10,402

11,315

10,651

11,106

9,786

9,442

9,359

9,098

8,966

9,084

9,095

7,884

7,748

8,013

8,154

8,790

7,505

12,943

6,526

6,874

6,662

6,385

6,567

6,455

6,638

6,335

Income before income taxes

4,113

4,114

4,407

3,659

3,489

3,483

3,627

3,321

2,792

2,455

2,549

2,210

1,834

2,337

2,028

2,904

2,855

2,523

2,942

3,075

3,280

3,448

-

3,602

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Income before income taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,056

2,620

-

2,395

2,702

4,240

-2,797

1,105

870

1,070

2,437

1,777

1,560

1,347

1,455

Income taxes

706

704

699

612

630

474

542

500

529

4,093

540

448

203

400

499

792

726

566

636

618

848

852

745

976

554

616

292

519

662

1,361

-673

311

211

184

647

536

345

335

387

NET INCOME

3,407

3,410

3,708

3,047

2,859

3,009

3,085

2,821

2,263

-1,638

2,009

1,762

1,631

1,937

1,529

2,112

2,129

1,957

2,306

2,457

2,432

2,596

2,372

2,626

1,502

2,004

2,028

1,876

2,040

2,879

-2,124

794

659

886

1,790

1,241

1,215

1,012

1,068

Earnings per share
Basic

0.33

0.33

0.36

0.29

0.26

0.27

0.28

0.26

0.21

-0.15

0.20

0.16

0.15

0.18

0.15

0.20

0.20

0.19

0.22

0.24

0.23

0.25

0.23

0.24

0.14

0.18

0.19

0.16

0.17

0.24

-0.19

0.07

0.06

0.08

0.16

0.11

0.10

0.09

0.09

Diluted

0.33

0.33

0.36

0.29

0.26

0.27

0.28

0.26

0.21

-0.15

0.20

0.16

0.15

0.18

0.14

0.20

0.20

0.19

0.22

0.23

0.23

0.25

0.23

0.24

0.14

0.18

0.19

0.16

0.17

0.24

-0.19

0.07

0.06

0.08

0.16

0.11

0.10

0.09

0.09

Dividends per share

0.11

0.11

0.10

0.10

0.10

0.10

0.09

0.09

0.09

0.09

0.09

0.09

0.09

0.09

0.09

0.09

0.09

0.09

0.09

0.09

0.09

0.07

0.07

0.07

0.07

0.05

0.05

0.05

0.05

0.05

0.05

0.05

0.05

0.05

0.05

0.05

0.05

0.05

0.05