Essa bancorp, inc. (ESSA)
Income statement / TTM
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

56,768

56,805

56,522

55,941

55,612

54,523

53,399

51,997

49,848

48,694

48,162

48,197

48,755

49,761

49,084

47,876

46,897

45,192

45,067

45,156

45,565

44,308

43,382

42,607

41,832

43,030

44,744

45,328

43,176

41,280

38,384

37,049

0

0

-

0

-

0

0

Investment securities:
Loans receivable, including fees

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

Taxable

8,228

8,813

9,338

9,626

9,594

9,250

8,826

8,522

8,369

8,226

8,042

7,808

7,598

7,458

7,402

7,354

7,232

7,128

7,199

7,132

7,023

6,747

6,385

6,082

5,820

5,855

5,958

6,239

6,505

6,575

6,583

6,836

7,292

7,680

7,964

7,955

0

0

0

Exempt from federal income tax

201

247

335

434

560

751

903

1,043

1,155

1,173

1,194

1,205

1,187

1,139

1,074

1,020

991

975

965

953

878

711

550

390

290

291

272

251

233

215

209

197

208

228

258

297

0

0

0

Other investment income

1,422

1,538

1,564

1,558

1,511

1,472

1,375

1,260

1,140

951

920

896

881

843

806

770

745

991

948

901

893

536

459

382

225

158

128

74

63

51

24

14

10

0

-

0

0

-

0

Total interest income

66,619

67,403

67,759

67,559

67,277

65,996

64,503

62,822

60,512

59,044

58,318

58,106

58,421

59,201

58,366

57,020

55,865

54,286

54,179

54,142

54,359

52,302

50,776

49,461

48,167

49,334

51,102

51,892

49,977

48,121

45,200

44,042

45,308

46,361

47,176

47,684

0

0

0

INTEREST EXPENSE
Deposits

14,040

14,367

14,422

13,724

12,515

11,319

10,308

9,501

9,126

8,836

8,471

8,170

7,887

7,762

7,595

7,474

7,371

7,305

7,425

7,641

7,856

7,884

7,907

7,741

7,483

7,425

7,408

7,535

7,558

7,546

7,486

7,590

7,742

7,701

7,486

7,192

0

0

0

Short-term borrowings

2,216

2,899

3,471

3,911

4,230

4,009

3,516

3,053

2,437

1,782

1,449

1,197

996

815

658

491

434

422

431

400

336

260

180

124

97

116

129

123

103

63

32

18

12

29

46

47

0

0

0

Other borrowings

3,412

3,186

2,856

2,622

2,383

2,316

2,444

2,580

2,663

2,771

2,879

2,943

3,043

3,149

3,178

3,094

2,947

2,728

2,534

2,415

2,395

2,450

2,540

2,677

2,916

3,176

3,720

4,929

6,124

7,433

8,614

9,228

0

0

-

0

-

-

-

Other borrowings

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Total interest expense

19,668

20,452

20,749

20,257

19,128

17,644

16,268

15,134

14,226

13,389

12,799

12,310

11,926

11,726

11,431

11,059

10,752

10,455

10,390

10,456

10,587

10,594

10,627

10,542

10,496

10,717

11,257

12,587

13,785

15,042

16,132

16,763

17,405

17,887

18,280

19,181

0

0

0

NET INTEREST INCOME

46,951

46,951

47,010

47,302

48,149

48,352

48,235

47,688

46,286

45,655

45,519

45,796

46,495

47,475

46,935

45,961

45,113

43,831

43,789

43,686

43,772

41,708

40,149

38,919

37,671

38,617

39,845

39,305

36,192

33,079

29,068

27,279

27,903

28,474

28,896

28,503

0

0

0

Provision for loan losses

1,475

1,575

2,076

2,801

3,376

3,876

4,000

4,175

3,950

3,600

3,350

3,000

2,850

2,700

2,550

2,375

2,300

2,225

2,075

1,850

1,825

2,050

2,350

2,800

3,400

3,500

3,750

3,750

3,250

3,050

2,550

2,200

2,075

2,075

2,055

2,105

0

0

0

NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES

45,476

45,376

44,934

44,501

44,773

44,476

44,235

43,513

42,336

42,055

42,169

42,796

43,645

44,775

44,385

43,586

42,813

41,606

41,714

41,836

41,947

39,658

37,799

36,119

34,271

35,117

36,095

35,555

32,942

30,029

26,518

25,079

25,828

26,399

26,841

26,398

0

0

0

NONINTEREST INCOME
Service fees on deposit accounts

3,277

3,283

3,319

3,318

3,316

3,353

3,373

0

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Services charges and fees on loans

1,852

1,428

1,225

1,203

1,257

1,280

1,319

0

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Realized and unrealized gain (loss) on equity securities

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Trust and investment fees

1,372

1,178

1,099

1,022

1,017

1,019

1,020

0

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sale of investment securities available for sale, net

0

0

-

0

0

0

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sale of investment securities, net

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Service fees on deposit accounts

-

-

-

-

-

-

-

-

-

-

-

-

3,491

3,553

3,552

3,502

3,425

3,307

3,271

3,269

3,255

3,220

3,185

3,160

3,129

3,118

3,133

3,128

3,001

2,951

2,871

2,818

2,916

2,984

3,019

3,058

0

0

0

Services charges and fees on loans

-

-

-

-

-

-

-

-

-

-

-

-

1,226

1,250

1,176

1,138

1,140

1,117

1,152

1,156

1,165

995

865

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

Services charges and fees on loans

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

971

860

792

747

692

0

0

-

0

-

-

-

Services charges and fees on loans

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Trust and investment fees

-

-

-

-

-

-

-

-

-

-

-

-

737

717

780

844

866

876

901

865

907

933

906

913

883

849

853

862

894

905

905

939

867

855

851

799

0

0

0

Gain on sale of investments, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,258

975

766

0

-

0

0

-

-

0

0

-

749

896

0

0

-

-

0

-

-

0

-

-

0

Gain on sale of investments, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

Gain on sale of loans, net

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

426

445

442

0

-

0

0

-

3

44

0

0

0

Earnings on Bank-owned life insurance

963

968

971

976

984

993

1,004

1,012

1,018

1,025

1,033

1,020

993

971

938

927

929

926

935

937

940

934

923

927

928

951

949

927

886

834

806

788

764

699

638

573

0

0

0

Insurance commissions

869

825

818

801

784

794

764

745

726

725

747

783

823

837

843

845

807

807

790

798

820

830

841

825

851

856

838

823

769

732

748

688

0

0

-

0

-

-

-

Gain on acquisition

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other

236

506

676

604

604

367

171

622

648

613

595

168

170

240

236

198

158

77

61

61

114

108

113

102

51

57

49

40

39

34

33

33

0

0

-

0

-

-

-

Other

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Total noninterest income

9,094

8,457

8,157

8,058

8,093

7,970

7,813

8,249

8,472

8,311

8,199

8,154

8,330

8,823

8,783

8,623

8,275

7,899

7,896

7,591

7,743

7,594

7,407

7,219

6,919

7,625

8,024

8,377

8,072

7,237

6,735

6,850

6,814

6,514

6,325

5,736

0

0

0

NONINTEREST EXPENSE
Compensation and employee benefits

24,185

24,143

24,029

23,492

23,434

23,423

23,307

23,943

24,219

24,251

24,420

24,448

24,282

24,229

23,630

22,558

21,841

21,070

20,606

20,902

20,601

19,726

18,920

18,265

18,043

18,754

19,002

18,794

17,992

16,904

16,284

15,957

15,968

15,921

15,865

15,443

0

0

0

Occupancy and equipment

4,187

4,230

4,189

4,203

4,228

4,302

4,461

4,505

4,562

4,566

4,472

4,645

4,879

5,111

5,129

4,910

4,566

4,278

4,150

4,127

4,182

4,113

4,050

3,994

3,899

3,864

3,895

3,825

3,625

3,371

3,178

3,028

3,030

3,050

3,071

3,154

0

0

0

Professional fees

1,876

1,989

2,054

2,216

2,346

2,326

2,368

2,492

2,498

2,707

2,886

2,966

2,984

2,821

2,529

2,258

2,187

1,922

1,983

1,973

1,897

1,988

1,883

1,763

1,871

1,965

1,868

1,589

1,379

1,190

1,368

1,460

1,532

1,549

1,488

1,633

0

0

0

Data processing

3,917

3,762

3,648

3,622

3,577

3,535

3,561

3,581

3,609

3,652

3,657

3,737

3,827

3,975

3,960

3,879

3,742

3,555

3,449

3,410

3,526

3,403

3,270

3,178

2,888

2,924

2,907

2,701

2,537

2,239

2,058

1,981

1,935

1,909

1,876

1,931

0

0

0

Advertising

574

660

699

712

903

900

903

1,027

950

990

1,137

1,324

1,367

1,279

1,061

786

862

933

974

895

765

655

633

612

539

570

574

577

517

439

415

387

442

558

658

742

0

0

0

Federal Deposit Insurance Corporation (FDIC) premiums

386

363

417

799

795

869

871

904

915

872

870

893

960

1,069

1,160

1,187

1,144

1,111

1,125

1,122

1,119

1,065

1,002

938

933

991

947

1,025

932

806

783

658

686

741

763

759

0

0

0

Loss (gain) on foreclosed real estate

-89

-14

81

93

124

103

24

250

273

310

370

167

225

59

-27

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(Gain) loss on foreclosed real estate

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

232

333

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

0

0

-

(Gain)/loss on foreclosed real estate

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-476

-393

-181

112

171

0

0

-

0

-

-

-

Merger-related costs

-

-

-

-

-

-

-

-

-

-

-

-

-

-

245

0

0

0

-

-

-

-

522

0

0

0

-

-

-

-

-

0

0

-

-

0

-

-

-

Amortization of intangible assets

288

297

309

323

351

409

469

539

595

624

643

660

693

752

763

739

705

645

637

689

814

888

959

998

966

978

991

942

773

605

436

297

0

0

-

0

-

-

-

Other

2,775

2,706

2,789

3,027

3,436

3,562

3,937

3,904

3,727

3,966

3,723

4,035

4,105

4,297

4,354

4,045

3,938

3,761

3,804

3,906

3,753

3,473

3,038

2,556

2,435

2,601

2,746

2,787

2,606

2,452

2,348

2,225

2,241

2,129

2,154

2,186

0

0

0

Total noninterest expense

38,277

38,164

38,053

38,301

38,946

39,223

39,853

40,645

40,802

41,318

41,438

42,541

42,872

43,474

42,858

40,985

39,693

37,685

36,865

36,507

36,243

35,029

33,811

32,740

31,799

32,705

32,462

37,392

35,764

33,848

33,005

26,447

26,488

26,069

26,045

25,995

0

0

0

Income before income taxes

16,293

15,669

15,038

14,258

13,920

13,223

12,195

11,117

10,006

9,048

8,930

8,409

9,103

10,124

10,310

11,224

11,395

11,820

12,745

13,405

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Income before income taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

6,540

5,250

3,418

248

5,482

6,154

6,844

7,121

6,139

0

0

0

Income taxes

2,721

2,645

2,415

2,258

2,146

2,045

5,664

5,662

5,610

5,284

1,591

1,550

1,894

2,417

2,583

2,720

2,546

2,668

2,954

3,063

3,421

3,127

2,891

2,438

1,981

2,089

2,834

1,869

1,661

1,210

33

1,353

1,578

1,712

1,863

1,603

0

0

0

NET INCOME

13,572

13,024

12,623

12,000

11,774

11,178

6,531

5,455

4,396

3,764

7,339

6,859

7,209

7,707

7,727

8,504

8,849

9,152

9,791

9,857

10,026

9,096

8,504

8,160

7,410

7,948

8,823

4,671

3,589

2,208

215

4,129

4,576

5,132

5,258

4,536

0

0

0

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