Esquire Financial Holdings, Inc. (ESQ)

ESQ Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	113.37	82.71	55.26	42.16	35.68
Interest Income on Investments	-	9.17	5.74	2.37	2.95
Total Interest Income	113.37	91.89	60.99	44.53	38.63
Interest Paid on Deposits	13.44	8.11	1.64	0.83	1.19
Interest Paid on Borrowings	-	0	0	0	0.01
Total Interest Expense	13.44	8.12	1.65	0.83	1.19
Net Interest Income	99.93	83.77	59.35	43.7	37.44
Net Interest Income Growth (YoY)	19.29%	41.16%	35.79%	16.73%	9.76%
Gain (Loss) on Sale of Investments	-	4.01	-	-	-
Other Non-Interest Income	24.9	25.74	24.84	21.32	14.65
Total Non-Interest Income	24.9	29.75	24.93	21.02	14.65
Non-Interest Income Growth (YoY)	-16.32%	19.36%	18.55%	43.54%	24.01%
Revenues Before Loan Losses	124.82	113.52	84.27	64.73	52.09
Provision for Loan Losses	4.7	4.53	3.49	6.96	6.25
Revenue	120.12	109	80.78	57.77	45.84
Revenue Growth (YoY)	10.21%	34.93%	39.83%	26.04%	4.00%
Salaries and Employee Benefits	37.85	29.26	23.33	19.78	15.33
Occupancy Expenses	-	2.51	2.6	2.23	1.79
Federal Deposit Insurance	-	0.79	0.56	0.45	0.38
Selling, General & Administrative	-	17.49	12.7	10.64	9.31
Other Non-Interest Expense	23	3.06	2.79	1.97	1.86
Total Non-Interest Expense	60.84	53.12	41.98	35.06	28.67
EBT Excluding Unusual Items	59.28	55.88	38.8	22.71	17.17
Pretax Income	59.28	55.88	38.8	22.71	17.17
Income Tax Expense	15.62	14.87	10.28	4.78	4.55
Net Income	43.66	41.01	28.52	17.93	12.62
Net Income to Common	43.66	41.01	28.52	17.93	12.62
Net Income Growth	6.45%	43.81%	59.10%	42.06%	-10.78%
Basic Shares Outstanding	8	8	8	7	7
Diluted Shares Outstanding	8	8	8	8	8
Shares Change (YoY)	1.69%	1.61%	3.36%	3.97%	-1.81%
EPS (Basic)	5.58	5.31	3.73	2.40	1.70
EPS (Diluted)	5.14	4.91	3.47	2.26	1.65
EPS Growth	4.68%	41.50%	53.54%	36.97%	-9.34%
Dividend Per Share	0.600	0.475	0.280	-	-
Dividend Growth	26.32%	69.64%	-	-	-
Effective Tax Rate	26.35%	26.61%	26.50%	21.06%	26.50%

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