← Esquire Financial Holdings, Inc.
| Annual Trend | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total interest income | $20.4m |
$29.0m
+41.96%
|
$36.7m
+26.62%
|
$38.6m
+5.38%
|
$44.5m
+15.28%
|
$61.0m
+36.97%
|
$91.9m
+50.65%
|
$113.4m
+23.38%
|
$139.4m
+22.97%
|
— | |
| Total noninterest income | $5.5m | $7.9m | $11.8m | $14.6m | $21.0m | $24.9m | $29.8m | $24.9m | $25.1m | — | |
| Net interest income | $19.9m |
$27.7m
+39.70%
|
$34.1m
+22.97%
|
$37.4m
+9.76%
|
$43.7m
+16.73%
|
$59.3m
+35.79%
|
$83.8m
+41.16%
|
$99.9m
+19.29%
|
$121.5m
+21.57%
|
$134.4m
+10.61%
|
|
| Other operating expenses | $1.0m | $1.7m | $1.4m | $1.9m | $2.0m | $2.8m | $3.1m | $3.0m | $3.7m | — | |
| Total noninterest expense | $17.4m | $22.3m | $24.9m | $28.7m | $35.1m | $42.0m | $53.1m | $60.8m | $71.2m | — | |
| Total interest expense | $538k | $1.2m | $2.5m | $1.2m | $828k | $1.6m | $8.1m | $13.4m | $17.9m | — | |
| Net interest income after provision for credit losses | $19.0m |
$26.4m
+39.12%
|
$32.3m
+22.37%
|
$31.2m
-3.32%
|
$36.7m
+17.82%
|
$55.9m
+52.00%
|
$79.2m
+41.88%
|
$95.2m
+20.17%
|
$111.8m
+17.41%
|
$134.4m
+20.18%
|
|
| Net income before income taxes | $7.0m | $11.9m | $19.1m | $17.2m | $22.7m | $38.8m | $55.9m | $59.3m | $65.7m | — | |
| Income tax expense | $3.4m | $3.2m | $5.0m | $4.5m | $4.8m | $10.3m | $14.9m | $15.6m | $14.8m | $17.4m | |
| Net income | $3.6m |
$8.7m
+139.68%
|
$14.1m
+61.93%
|
$12.6m
-10.78%
|
$17.9m
+42.06%
|
$28.5m
+59.10%
|
$41.0m
+43.81%
|
$43.7m
+6.45%
|
$50.8m
+16.41%
|
$52.7m
+3.72%
|
|
| Basic | $0.59 | $1.18 | $1.91 | $1.70 | $2.40 | $3.73 | $5.31 | $5.58 | $6.30 | $6.44 | |
| Diluted | $0.58 | $1.13 | $1.82 | $1.65 | $2.26 | $3.47 | $4.91 | $5.14 | $5.87 | $52,714,000.00 | |
| Loans held for investment | $17.6m | $24.4m | $31.8m | $35.6m | $41.5m | $54.0m | $81.2m | $98.5m | $119.6m | — | |
| Securities, includes restricted stock | $2.5m | $3.9m | $3.9m | $2.6m | $2.2m | $4.2m | $5.0m | $8.6m | $12.6m | — | |
| Securities purchased under agreements to resell | — | — | — | $94k | $619k | $1.3m | $1.5m | — | — | — | |
| Interest earning cash and other | $291k | $631k | $960k | $392k | $193k | $1.6m | $4.2m | $6.3m | $7.2m | — | |
| Savings, NOW and money market deposits | $424k | $908k | $2.1m | $888k | $746k | $1.5m | $7.6m | $12.9m | $17.7m | — | |
| Time deposits | $93k | $275k | $473k | $297k | $79k | $155k | $476k | $551k | $280k | — | |
| Borrowings | $21k | $29k | $5k | $5k | $3k | $4k | $4k | $4k | $4k | — | |
| Provision for credit losses | — | — | — | — | $7.0m | $3.5m | $4.5m | $4.7m | $9.7m | — | |
| Payment processing fees | — | — | — | — | $20.9m | $21.9m | $22.3m | $20.9m | $20.2m | — | |
| Administrative service income | — | — | — | — | $29k | $2.5m | $2.5m | $2.7m | $3.0m | — | |
| Net gain on equity investments | — | — | — | — | — | — | $4.0m | — | $432k | — | |
| Customer related fees, service charges and other | — | — | — | — | $434k | $359k | $955k | $1.3m | $1.4m | — | |
| Employee compensation and benefits | $10.1m | $13.0m | $14.7m | $16.9m | $21.7m | $25.8m | $32.5m | $37.8m | $42.3m | — | |
| Occupancy and equipment | $1.6m | $1.7m | $1.9m | $2.4m | $2.8m | $3.2m | $3.4m | $4.1m | $4.9m | $4.3m | |
| Professional and consulting services | $1.9m | $2.6m | $2.9m | $3.2m | $2.9m | $3.4m | $5.4m | $3.8m | $5.5m | — | |
| FDIC and regulatory assessments | $256k | $321k | $242k | $375k | $447k | $558k | $793k | $943k | $1.1m | — | |
| Advertising and marketing | $485k | $524k | $718k | $584k | $1.2m | $1.5m | $1.8m | $3.5m | $3.6m | — | |
| Travel and business relations | $428k | $504k | $548k | $210k | $327k | $566k | $985k | $966k | $1.6m | — | |
| Data processing | $1.7m | $1.9m | $2.5m | $3.1m | $3.7m | $4.2m | $5.2m | $6.7m | $8.5m | — |