Call reports 2004
ESB BANK — 2004
What ESB BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,330,080,000 | 1,319,117,000 | 1,344,384,000 | 1,344,163,000 |
| Total loans | 341,449,000 | 341,465,000 | 351,674,000 | 347,464,000 |
| Allowance for loan losses | 3,810,000 | 4,033,000 | 4,068,000 | 3,940,000 |
| Securities available for sale | 885,758,000 | 863,830,000 | 886,427,000 | 888,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 585,911,000 | 588,442,000 | 577,154,000 | 582,419,000 |
| Interest-bearing deposits | 564,499,000 | 564,606,000 | 554,211,000 | 558,840,000 |
| Noninterest-bearing deposits | 21,412,000 | 23,836,000 | 22,943,000 | 23,579,000 |
| Equity capital | 113,662,000 | 103,970,000 | 110,679,000 | 108,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 14,826,000 | 29,277,000 | 44,014,000 | 59,099,000 |
| Interest expense | 8,194,000 | 16,315,000 | 24,830,000 | 33,446,000 |
| Net interest income | 6,632,000 | 12,962,000 | 19,184,000 | 25,653,000 |
| Noninterest income | 1,147,000 | 2,773,000 | 4,349,000 | 6,223,000 |
| Noninterest expense | 5,076,000 | 10,283,000 | 14,691,000 | 19,139,000 |
| Provision for loan losses | 20,000 | 240,000 | 164,000 | 178,000 |
| Pretax income | 3,541,000 | 6,070,000 | 9,536,000 | 13,417,000 |
| Income tax | 770,000 | 1,173,000 | 1,649,000 | 2,561,000 |
| Net income | 2,771,000 | 4,897,000 | 7,887,000 | 10,856,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,926,000 | 98,156,000 | 98,280,000 | 97,346,000 |
| Total capital | 99,736,000 | 102,189,000 | 102,348,000 | 101,286,000 |
| Risk-weighted assets | 582,190,000 | 615,432,000 | 621,570,000 | 623,081,000 |