ESSA Bancorp, Inc. Cashflow Statement

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Financial Statements

Income Statement Balance Sheet Cashflow Statement

Consolidated Statement of Cash Flows

In millions of USD, except per-share amounts

	FY2024 12 months to Sep 30, 2024	FY2023 12 months to Sep 30, 2023	FY2022 12 months to Sep 30, 2022	FY2021 12 months to Sep 30, 2021	FY2020 12 months to Sep 30, 2020
OPERATING ACTIVITIES
Net income
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses
(Release of) provision for credit losses
Provision for depreciation and amortization
Amortization and accretion of discounts and premiums, net
Net loss on sale of investment securities
Compensation expense on ESOP
Stock-based compensation
Amortization of right-of-use-asset
Unrealized loss on equity securities
Gain on sale of loans, net
Origination of mortgage loans sold
Proceeds from sale of mortgage loans originated for sale
Origination of residential real estate loans for sale
Proceeds from sale of residential real estate loans
Increase in accrued interest receivable
(Decrease) increase in accrued interest payable
Earnings on bank-owned life insurance
Deferred federal income taxes
Decrease in accrued pension liability
Loss on foreclosed real estate
Amortization of intangible assets
Other, net
Net cash provided by operating activities
INVESTING ACTIVITIES
Investment securities available for sale:
Proceeds from sale of investment securities
Proceeds from principal repayments and maturities
Purchases
Investment securities held to maturity:
Proceeds from principal repayments and maturities
Purchases
(Increase) decrease in loans receivable, net
Increase in loans receivable, net
Redemption of regulatory stock
Purchase of regulatory stock
Bank owned life insurance death benefit
Capital expenditures for foreclosed real estate
Proceeds from sale of foreclosed real estate
Purchase of premises, equipment, and software
Net cash provided by (used for) investing activities

FINANCING ACTIVITIES
Decrease (increase) in deposits, net
Net (decrease) increase in short-term borrowings
Repayment of other borrowings
Proceeds from other borrowings
Increase (decrease) in advances by borrowers for taxes and insurance
Purchase of common stock
Dividends on common stock
Net cash (used for) provided by financing activities

(Decrease) increase in cash and cash equivalents
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR
CASH AND CASH EQUIVALENTS AT END OF YEAR
Cash paid:
Interest
Income taxes
Noncash items:
Transfers from loans to foreclosed real estate
Initial recognition of operating right-of-use asset
Initial recognition of operating lease liability
Unrealized holding gain (loss) on investment securities available for sale

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