Call reports 2006
ESB BANK — 2006
What ESB BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,815,136,000 | 1,837,534,000 | 1,860,320,000 | 1,868,673,000 |
| Total loans | 557,133,000 | 567,725,000 | 592,295,000 | 594,944,000 |
| Allowance for loan losses | 4,750,000 | 4,689,000 | 4,819,000 | 5,113,000 |
| Securities available for sale | 1,083,864,000 | 1,080,047,000 | 1,094,060,000 | 1,096,987,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 823,078,000 | 813,345,000 | 828,540,000 | 826,695,000 |
| Interest-bearing deposits | 804,606,000 | 795,896,000 | 812,611,000 | 811,418,000 |
| Noninterest-bearing deposits | 18,472,000 | 17,449,000 | 15,929,000 | 15,277,000 |
| Equity capital | 162,624,000 | 154,445,000 | 168,688,000 | 168,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 22,010,000 | 45,090,000 | 68,820,000 | 92,734,000 |
| Interest expense | 13,319,000 | 27,951,000 | 43,615,000 | 60,062,000 |
| Net interest income | 8,691,000 | 17,139,000 | 25,205,000 | 32,672,000 |
| Noninterest income | 1,166,000 | 2,807,000 | 4,608,000 | 6,083,000 |
| Noninterest expense | 5,655,000 | 11,389,000 | 17,186,000 | 22,855,000 |
| Provision for loan losses | 193,000 | 295,000 | 569,000 | 1,113,000 |
| Pretax income | 4,009,000 | 8,319,000 | 12,482,000 | 15,211,000 |
| Income tax | 757,000 | 1,582,000 | 2,437,000 | 2,800,000 |
| Net income | 3,252,000 | 6,737,000 | 10,045,000 | 12,411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 128,924,000 | 130,135,000 | 131,444,000 | 132,152,000 |
| Total capital | 133,674,000 | 134,841,000 | 136,280,000 | 137,278,000 |
| Risk-weighted assets | 846,597,000 | 865,330,000 | 868,318,000 | 874,212,000 |