Call reports 2013
ESB BANK — 2013
What ESB BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,868,523,000 | 1,853,118,000 | 1,856,999,000 | 1,861,186,000 |
| Total loans | 687,994,000 | 689,095,000 | 690,417,000 | 702,441,000 |
| Allowance for loan losses | 6,721,000 | 6,728,000 | 6,713,000 | 6,805,000 |
| Securities available for sale | 1,050,212,000 | 1,029,303,000 | 1,037,112,000 | 1,028,767,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,212,052,000 | 1,216,619,000 | 1,235,321,000 | 1,227,084,000 |
| Interest-bearing deposits | 1,190,451,000 | 1,194,215,000 | 1,210,723,000 | 1,202,973,000 |
| Noninterest-bearing deposits | 21,601,000 | 22,404,000 | 24,598,000 | 24,111,000 |
| Equity capital | 223,052,000 | 213,622,000 | 217,163,000 | 212,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 16,348,000 | 32,272,000 | 48,298,000 | 64,460,000 |
| Interest expense | 5,496,000 | 10,302,000 | 14,852,000 | 19,224,000 |
| Net interest income | 10,852,000 | 21,970,000 | 33,446,000 | 45,236,000 |
| Noninterest income | 1,450,000 | 2,980,000 | 4,312,000 | 5,427,000 |
| Noninterest expense | 6,936,000 | 13,982,000 | 21,103,000 | 28,403,000 |
| Provision for loan losses | 150,000 | 225,000 | 300,000 | 500,000 |
| Pretax income | 5,484,000 | 11,011,000 | 16,624,000 | 22,092,000 |
| Income tax | 1,077,000 | 2,276,000 | 3,410,000 | 4,625,000 |
| Net income | 4,131,000 | 8,409,000 | 12,748,000 | 16,957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 156,375,000 | 160,576,000 | 165,164,000 | 164,710,000 |
| Total capital | 163,181,000 | 167,445,000 | 171,994,000 | 171,660,000 |
| Risk-weighted assets | 1,082,903,000 | 1,079,663,000 | 1,074,967,000 | 1,077,125,000 |