Call reports 2010
ESB BANK — 2010
What ESB BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,912,575,000 | 1,907,820,000 | 1,898,195,000 | 1,873,358,000 |
| Total loans | 675,328,000 | 674,198,000 | 666,952,000 | 647,515,000 |
| Allowance for loan losses | 6,135,000 | 6,258,000 | 6,377,000 | 6,547,000 |
| Securities available for sale | 1,062,735,000 | 1,055,332,000 | 1,049,783,000 | 1,045,402,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 982,781,000 | 997,735,000 | 1,006,964,000 | 1,016,431,000 |
| Interest-bearing deposits | 966,203,000 | 980,733,000 | 992,166,000 | 998,085,000 |
| Noninterest-bearing deposits | 16,578,000 | 17,002,000 | 14,798,000 | 18,346,000 |
| Equity capital | 204,929,000 | 212,983,000 | 213,196,000 | 206,358,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 21,920,000 | 43,153,000 | 64,145,000 | 84,252,000 |
| Interest expense | 10,489,000 | 20,252,000 | 29,584,000 | 38,571,000 |
| Net interest income | 11,431,000 | 22,901,000 | 34,561,000 | 45,681,000 |
| Noninterest income | 697,000 | 1,896,000 | 3,104,000 | 4,634,000 |
| Noninterest expense | 6,903,000 | 13,016,000 | 19,930,000 | 26,881,000 |
| Provision for loan losses | 354,000 | 554,000 | 1,104,000 | 1,404,000 |
| Pretax income | 4,573,000 | 10,686,000 | 15,705,000 | 21,008,000 |
| Income tax | 1,057,000 | 2,410,000 | 3,321,000 | 4,600,000 |
| Net income | 3,775,000 | 8,128,000 | 12,035,000 | 15,976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 141,008,000 | 145,500,000 | 145,613,000 | 149,464,000 |
| Total capital | 147,143,000 | 151,758,000 | 151,990,000 | 156,046,000 |
| Risk-weighted assets | 995,282,000 | 991,086,000 | 1,001,594,000 | 988,155,000 |