ESSA Bank & Trust in Stroudsburg, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • ESSA Bank & Trust in Stroudsburg, Pennsylvania (PA)
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ESSA Bank & Trust - Overview

  • General
  • FDIC Certificate #: 28262
    Status: Active
    Federal Reserve ID: 952677
    Date Established: January 01, 1916
    WWW: http://www.essabank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 17 (Domestic: 17, Interstate: No)
    OTS Docket #: 1254
    FDIC's unique #: 41096
    Numeric code: 35
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 30, 1947
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 Palmer Street, Stroudsburg, PA 18360
    County: Monroe
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Philadelphia
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Core Based Statistical Area (CBSA): East Stroudsburg, PA (#20700)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $1,096.8 mil
    Equity capital: $158.4 mil
    Deposits held in domestic offices: $646.8 mil
    Return on assets (ROA): 0.47% ($5.2 mil)
    Quarterly return on assets: 0.36% ($3.9 mil)
    Return on Equity (ROE): 3.26% ($5.2 mil)
    Quarterly return on equity: 2.48% ($3.9 mil)
    Net income: $5.1 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 0.62% ($6,799.9 mil)
    Quarterly Pretax return on assets: 0.44% ($4,825.7 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 197Total employees (full-time equivalent)
  • $1,096,758Total assets
  • $27,399Cash and due from depository institutions
  • $18,312Interest-bearing balances
  • $254,745Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $742,576Net loans & leases
  • $8,392Loan loss allowance
  • $0Trading account assets
  • $11,470Bank premises and fixed assets
  • $2,103Other real estate owned
  • $2,253Goodwill and other intangibles
  • $1,096,758Life insurance assets
  • $56,212All other assets
  • $938,334Total liabilities and capital
  • $646,845Total liabilities
  • $614,378Total deposits
  • $646,845Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 60000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $223,410Trading liabilities
  • $0Other borrowed funds
  • $8,079Subordinated debt
  • $158,424All other liabilities
  • $158,424Total equity capital
  • $158,424Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $85,607Surplus
  • $72,817Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13,760Income earned, not collected on loans
  • $0Earning assets
  • $3,868Long-term assets (5+ years)
  • $1,015,633Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $1,093,744Volatile liabilities
  • $1,097,685Insider loans
  • $566,554FHLB advances
  • $1,095,358Loans and leases held for sale
  • $23,454Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $157,024Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $42,623Restructured Loans and leases
  • $1,228Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $46,478Total interest income
  • $17,888Total interest expense
  • $28,590Net interest income
  • $2,075Provision for loan and lease losses
  • $4,684Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,684Additional noninterest income
  • $25,045Total noninterest expense
  • $15,921Salaries and employee benefits
  • $4,496Premises and equipment expense
  • $4,628Additional noninterest expense
  • $6,154Pre-tax net operating income
  • $678Securities gains (losses)
  • $1,688Applicable income taxes
  • $5,144Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,144Net income attributable to bank
  • $0Net charge-offs
  • $5,144Cash dividends
  • $1,420Sale, conversion, retirement of capital stock, net
  • $10,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.58%Yield on earning assets
  • 1.76%Cost of funding earning assets
  • 2.82%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 2.47%Noninterest expense to earning assets
  • 0.42%Net operating income to assets
  • 0.47%Return on assets (ROA)
  • 0.62%Pretax return on assets
  • 3.26%Return on equity (ROE)
  • -3.08%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 146.13%Credit loss provision to net charge-offs
  • 5.80%Efficiency ratio
  • 74,199Assets per employee
  • 5.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 194.40%Loss allowance to loans
  • 1.12%Loss allowance to noncurrent loans
  • 60.99%Noncurrent assets plus other real estate owned to assets
  • 1.45%Noncurrent loans to loans
  • 1.83%Net loans and leases to deposits
  • 114.80%Net loans and leases to core deposits
  • 147.73%Equity capital to assets
  • 14.44%Core capital (leverage) ratio
  • 14.34%Tier 1 risk-based capital ratio
  • 27.72%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $1,093,744Average earning assets
  • $157,819Average equity
  • $1,014,951Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $48,933Managed Assets
  • 1Number of Accounts
  • $48,933Personal trust and agency accounts
  • $25,442Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $1,739Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $21,752Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 101Number of Accounts
  • $0Personal trust and agency accounts
  • $1,398Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 17 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041096Essa Bank & Trust200 Palmer Street, Stroudsburg, PA 18360January 01, 1916Full Service Brick and Mortar
    101266310Brodheadsville BranchUs Route 209 & Lake Mineola, Brodheadsville, PA 18322January 01, 1916Full Service Brick and Mortar
    103266311East Stroudsburg Branch75 Washington Street, East Stroudsburg, PA 18301January 11, 1984Full Service Brick and Mortar
    104266312Mount Pocono Branch601 Route 940, Suite 23, Mount Pocono, PA 18344January 25, 1988Full Service Retail
    105266313Marshalls Creek BranchUs Route 209, Jay Park, Marshalls Creek, PA 18335January 31, 1991Full Service Brick and Mortar
    106266314Tannersville Weis' Market OfficeUs Route 611, Weis Supermarket, Tannersville, PA 18372November 01, 1993Full Service Retail
    107266315Milford Road Branch7001 Milford Road, Route 209, East Stroudsburg, PA 18301January 06, 1997Full Service Brick and Mortar
    108266316Weis Market BranchUs Route 209, Brodheadsville, PA 18322October 29, 1997Full Service Retail
    109215522Stroudsburg Branch1070 North Ninth St, Stroudsburg, PA 18360December 01, 1995Full Service Retail
    110463736Blakeslee BranchHc 1 Box 1192, Blakeslee, PA 18610Febuary 14, 2002Full Service Brick and Mortar
    111463738Blue Valley Drive Branch1309 Blue Valley Dr, Pen Argyl, PA 18072November 16, 2001Full Service Retail
    112463742North Courtland St Branch695 North Courtland St, East Stroudsburg, PA 18301August 26, 1999Full Service Brick and Mortar
    113495229Tannersville BranchRoute 611, Tannersville, PA 18372March 28, 2007Full Service Brick and Mortar
    114518298Mountainhome Branch975 Route 390, Cresco, PA 18326March 19, 2010Full Service Brick and Mortar
    115518302Schnecksville Branch5020 Route 873, Schnecksville, PA 18078May 14, 2010Full Service Brick and Mortar
    116518308Crawford Drive Branch5580 Crawford Dr, Bethlehem, PA 18017April 02, 2010Full Service Retail
    117518309North Ceder Crest Boulevard Branch1500 N Cedar Crest Blvd, Unit 2, Allentown, PA 18104April 12, 2010Full Service Retail

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