Esquire Financial Holdings, Inc. (ESQ)

ESQ Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	95.76	82.71	55.26	42.16	35.68	31.79
Interest Income on Investments	12.4	9.17	5.74	2.37	2.95	4.87
Total Interest Income	108.16	91.89	60.99	44.53	38.63	36.66
Interest Paid on Deposits	12.44	8.11	1.64	0.83	1.19	2.54
Interest Paid on Borrowings	0	0	0	0	0.01	0.01
Total Interest Expense	12.44	8.12	1.65	0.83	1.19	2.55
Net Interest Income	95.71	83.77	59.35	43.7	37.44	34.11
Net Interest Income Growth (YoY)	20.48%	41.16%	35.79%	16.73%	9.76%	22.97%
Gain (Loss) on Sale of Investments	-	4.01	-	-	-	-
Other Non-Interest Income	24.99	25.74	24.84	21.32	14.65	11.81
Total Non-Interest Income	24.99	29.75	24.93	21.02	14.65	11.81
Non-Interest Income Growth (YoY)	-17.43%	19.36%	18.55%	43.54%	24.01%	50.36%
Revenues Before Loan Losses	120.71	113.52	84.27	64.73	52.09	45.92
Provision for Loan Losses	4.5	4.53	3.49	6.96	6.25	1.85
Revenue	116.21	109	80.78	57.77	45.84	44.07
Revenue Growth (YoY)	10.32%	34.93%	39.83%	26.04%	4.00%	28.79%
Salaries and Employee Benefits	33.3	29.26	23.33	19.78	15.33	13.58
Occupancy Expenses	3.16	2.51	2.6	2.23	1.79	1.35
Federal Deposit Insurance	0.9	0.79	0.56	0.45	0.38	0.24
Selling, General & Administrative	18.87	17.49	12.7	10.64	9.31	8.11
Other Non-Interest Expense	2.84	3.06	2.79	1.97	1.86	1.65
Total Non-Interest Expense	59.06	53.12	41.98	35.06	28.67	24.93
EBT Excluding Unusual Items	57.15	55.88	38.8	22.71	17.17	19.14
Pretax Income	57.15	55.88	38.8	22.71	17.17	19.14
Income Tax Expense	15.36	14.87	10.28	4.78	4.55	5
Net Income	41.79	41.01	28.52	17.93	12.62	14.14
Net Income to Common	41.79	41.01	28.52	17.93	12.62	14.14
Net Income Growth	3.84%	43.81%	59.10%	42.06%	-10.78%	61.93%
Basic Shares Outstanding	8	8	8	7	7	7
Diluted Shares Outstanding	8	8	8	8	8	8
Shares Change (YoY)	1.28%	1.61%	3.36%	3.97%	-1.81%	0.66%
EPS (Basic)	5.37	5.31	3.73	2.40	1.70	1.91
EPS (Diluted)	4.95	4.91	3.47	2.26	1.65	1.82
EPS Growth	2.35%	41.50%	53.54%	36.97%	-9.34%	61.06%
Dividend Per Share	0.575	0.475	0.280	-	-	-
Dividend Growth	27.78%	69.64%	-	-	-	-
Effective Tax Rate	26.88%	26.61%	26.50%	21.06%	26.50%	26.10%

Source: S&P Capital IQ. Banks template. Financial Sources.