Call reports 2008
ESB BANK — 2008
What ESB BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,870,449,000 | 1,871,905,000 | 1,916,574,000 | 1,928,372,000 |
| Total loans | 645,147,000 | 660,556,000 | 686,490,000 | 697,321,000 |
| Allowance for loan losses | 5,539,000 | 5,572,000 | 5,780,000 | 6,006,000 |
| Securities available for sale | 1,041,919,000 | 1,021,652,000 | 1,047,307,000 | 1,058,592,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 870,222,000 | 850,940,000 | 875,981,000 | 881,179,000 |
| Interest-bearing deposits | 852,581,000 | 830,293,000 | 851,716,000 | 864,924,000 |
| Noninterest-bearing deposits | 17,641,000 | 20,647,000 | 24,265,000 | 16,255,000 |
| Equity capital | 176,061,000 | 166,222,000 | 168,751,000 | 181,647,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 23,609,000 | 46,990,000 | 70,812,000 | 94,981,000 |
| Interest expense | 16,004,000 | 30,943,000 | 45,740,000 | 60,533,000 |
| Net interest income | 7,605,000 | 16,047,000 | 25,072,000 | 34,448,000 |
| Noninterest income | 1,128,000 | 3,276,000 | 4,505,000 | 5,007,000 |
| Noninterest expense | 5,718,000 | 11,505,000 | 16,810,000 | 22,529,000 |
| Provision for loan losses | 221,000 | 511,000 | 920,000 | 1,406,000 |
| Pretax income | 2,794,000 | 7,307,000 | 11,847,000 | 14,967,000 |
| Income tax | 402,000 | 1,400,000 | 2,406,000 | 2,857,000 |
| Net income | 2,392,000 | 5,907,000 | 9,441,000 | 12,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 132,785,000 | 132,983,000 | 136,437,000 | 135,202,000 |
| Total capital | 138,327,000 | 138,555,000 | 142,217,000 | 141,208,000 |
| Risk-weighted assets | 922,119,000 | 937,564,000 | 956,252,000 | 949,440,000 |