Call reports 2012
ESB BANK — 2012
What ESB BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,939,208,000 | 1,953,708,000 | 1,922,984,000 | 1,887,039,000 |
| Total loans | 666,641,000 | 671,218,000 | 678,499,000 | 678,795,000 |
| Allowance for loan losses | 6,633,000 | 6,741,000 | 6,563,000 | 6,709,000 |
| Securities available for sale | 1,098,051,000 | 1,119,022,000 | 1,103,886,000 | 1,075,921,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,194,277,000 | 1,224,030,000 | 1,196,646,000 | 1,182,274,000 |
| Interest-bearing deposits | 1,171,332,000 | 1,203,347,000 | 1,173,764,000 | 1,159,220,000 |
| Noninterest-bearing deposits | 22,945,000 | 20,683,000 | 22,882,000 | 23,054,000 |
| Equity capital | 222,576,000 | 220,439,000 | 230,934,000 | 226,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 18,744,000 | 37,233,000 | 55,055,000 | 72,073,000 |
| Interest expense | 7,114,000 | 13,937,000 | 20,355,000 | 26,443,000 |
| Net interest income | 11,630,000 | 23,296,000 | 34,700,000 | 45,630,000 |
| Noninterest income | 1,122,000 | 2,298,000 | 3,646,000 | 5,388,000 |
| Noninterest expense | 7,376,000 | 14,423,000 | 21,424,000 | 28,627,000 |
| Provision for loan losses | 200,000 | 500,000 | 850,000 | 1,100,000 |
| Pretax income | 5,176,000 | 10,666,000 | 16,067,000 | 21,404,000 |
| Income tax | 1,011,000 | 2,098,000 | 3,128,000 | 4,200,000 |
| Net income | 3,997,000 | 8,124,000 | 12,408,000 | 16,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 154,631,000 | 153,444,000 | 157,589,000 | 157,313,000 |
| Total capital | 161,353,000 | 160,269,000 | 164,196,000 | 164,082,000 |
| Risk-weighted assets | 1,040,132,000 | 1,074,316,000 | 1,074,906,000 | 1,078,860,000 |