Call reports 2007
ESB BANK — 2007
What ESB BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,848,100,000 | 1,835,580,000 | 1,867,623,000 | 1,831,127,000 |
| Total loans | 600,050,000 | 607,296,000 | 622,985,000 | 629,664,000 |
| Allowance for loan losses | 5,283,000 | 5,283,000 | 5,266,000 | 5,414,000 |
| Securities available for sale | 1,075,038,000 | 1,045,292,000 | 1,034,491,000 | 1,016,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 834,239,000 | 848,072,000 | 845,484,000 | 845,876,000 |
| Interest-bearing deposits | 818,164,000 | 831,501,000 | 831,957,000 | 830,825,000 |
| Noninterest-bearing deposits | 16,075,000 | 16,571,000 | 13,527,000 | 15,051,000 |
| Equity capital | 167,661,000 | 161,084,000 | 168,403,000 | 174,651,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 23,804,000 | 47,653,000 | 71,811,000 | 95,819,000 |
| Interest expense | 16,333,000 | 32,861,000 | 49,867,000 | 66,900,000 |
| Net interest income | 7,471,000 | 14,792,000 | 21,944,000 | 28,919,000 |
| Noninterest income | 1,649,000 | 3,341,000 | 5,088,000 | 6,325,000 |
| Noninterest expense | 5,862,000 | 11,692,000 | 17,445,000 | 22,747,000 |
| Provision for loan losses | 326,000 | 511,000 | 667,000 | 865,000 |
| Pretax income | 2,932,000 | 5,532,000 | 8,540,000 | 11,251,000 |
| Income tax | 441,000 | 765,000 | 1,200,000 | 1,591,000 |
| Net income | 2,491,000 | 4,767,000 | 7,340,000 | 9,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 129,434,000 | 131,869,000 | 134,482,000 | 133,195,000 |
| Total capital | 134,720,000 | 137,155,000 | 139,751,000 | 138,612,000 |
| Risk-weighted assets | 868,151,000 | 869,650,000 | 908,216,000 | 888,525,000 |