Call reports 2009
ESB BANK — 2009
What ESB BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,935,332,000 | 1,921,899,000 | 1,942,517,000 | 1,921,255,000 |
| Total loans | 694,422,000 | 666,815,000 | 675,961,000 | 677,615,000 |
| Allowance for loan losses | 6,146,000 | 6,195,000 | 6,239,000 | 6,027,000 |
| Securities available for sale | 1,065,629,000 | 1,059,439,000 | 1,081,522,000 | 1,075,636,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 897,173,000 | 905,440,000 | 929,891,000 | 948,394,000 |
| Interest-bearing deposits | 879,683,000 | 889,258,000 | 912,579,000 | 931,325,000 |
| Noninterest-bearing deposits | 17,490,000 | 16,182,000 | 17,312,000 | 17,069,000 |
| Equity capital | 186,282,000 | 192,764,000 | 205,047,000 | 203,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 23,410,000 | 46,383,000 | 68,991,000 | 91,464,000 |
| Interest expense | 13,865,000 | 26,858,000 | 39,116,000 | 50,691,000 |
| Net interest income | 9,545,000 | 19,525,000 | 29,875,000 | 40,773,000 |
| Noninterest income | 1,083,000 | 2,929,000 | 4,283,000 | 5,220,000 |
| Noninterest expense | 6,059,000 | 13,212,000 | 19,464,000 | 28,229,000 |
| Provision for loan losses | 310,000 | 516,000 | 752,000 | 912,000 |
| Pretax income | 4,259,000 | 8,472,000 | 13,535,000 | 16,301,000 |
| Income tax | 866,000 | 1,705,000 | 2,840,000 | 3,336,000 |
| Net income | 3,388,000 | 6,668,000 | 10,522,000 | 13,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 135,682,000 | 139,182,000 | 139,078,000 | 141,367,000 |
| Total capital | 141,828,000 | 145,377,000 | 145,317,000 | 147,394,000 |
| Risk-weighted assets | 964,033,000 | 975,579,000 | 987,947,000 | 996,768,000 |