Call reports 2005
ESB BANK — 2005
What ESB BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,717,733,000 | 1,775,120,000 | 1,767,655,000 | 1,793,593,000 |
| Total loans | 502,421,000 | 503,866,000 | 523,113,000 | 545,141,000 |
| Allowance for loan losses | 5,316,000 | 5,208,000 | 4,612,000 | 4,864,000 |
| Securities available for sale | 1,049,354,000 | 1,083,844,000 | 1,073,425,000 | 1,068,731,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 828,363,000 | 815,830,000 | 831,241,000 | 837,679,000 |
| Interest-bearing deposits | 778,957,000 | 764,404,000 | 776,532,000 | 784,904,000 |
| Noninterest-bearing deposits | 49,406,000 | 51,426,000 | 54,709,000 | 52,775,000 |
| Equity capital | 166,778,000 | 177,225,000 | 164,884,000 | 163,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 17,312,000 | 37,468,000 | 57,928,000 | 79,033,000 |
| Interest expense | 9,289,000 | 20,205,000 | 32,077,000 | 44,918,000 |
| Net interest income | 8,023,000 | 17,263,000 | 25,851,000 | 34,115,000 |
| Noninterest income | 1,145,000 | 2,516,000 | 3,854,000 | 4,839,000 |
| Noninterest expense | 5,301,000 | 11,270,000 | 17,048,000 | 22,700,000 |
| Provision for loan losses | -16,000 | 2,000 | 69,000 | 568,000 |
| Pretax income | 3,883,000 | 8,507,000 | 12,717,000 | 13,103,000 |
| Income tax | 787,000 | 1,712,000 | 2,562,000 | 2,040,000 |
| Net income | 3,096,000 | 6,795,000 | 10,155,000 | 11,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 126,644,000 | 129,968,000 | 124,518,000 | 125,454,000 |
| Total capital | 131,960,000 | 135,176,000 | 129,130,000 | 130,318,000 |
| Risk-weighted assets | 807,941,000 | 814,012,000 | 826,304,000 | 844,299,000 |