Call reports 2014
ESB BANK — 2014
What ESB BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,891,283,000 | 1,894,114,000 | 1,900,068,000 | 1,879,681,000 |
| Total loans | 706,216,000 | 716,188,000 | 713,219,000 | 711,403,000 |
| Allowance for loan losses | 6,718,000 | 6,816,000 | 6,751,000 | 5,850,000 |
| Securities available for sale | 1,044,908,000 | 1,056,889,000 | 1,060,121,000 | 1,050,366,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,272,755,000 | 1,305,250,000 | 1,339,719,000 | 1,271,489,000 |
| Interest-bearing deposits | 1,247,624,000 | 1,280,760,000 | 1,314,499,000 | 1,246,566,000 |
| Noninterest-bearing deposits | 25,131,000 | 24,490,000 | 25,220,000 | 24,923,000 |
| Equity capital | 217,054,000 | 227,587,000 | 230,893,000 | 223,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 16,086,000 | 32,276,000 | 48,401,000 | 64,669,000 |
| Interest expense | 4,065,000 | 7,925,000 | 11,479,000 | 14,849,000 |
| Net interest income | 12,021,000 | 24,351,000 | 36,922,000 | 49,820,000 |
| Noninterest income | 1,029,000 | 2,773,000 | 4,057,000 | 5,201,000 |
| Noninterest expense | 6,864,000 | 14,175,000 | 21,392,000 | 31,063,000 |
| Provision for loan losses | -90,000 | 60,000 | 135,000 | -665,000 |
| Pretax income | 6,083,000 | 12,696,000 | 19,259,000 | 25,682,000 |
| Income tax | 1,434,000 | 2,905,000 | 4,495,000 | 6,092,000 |
| Net income | 4,587,000 | 9,650,000 | 14,666,000 | 19,441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 164,923,000 | 170,092,000 | 175,056,000 | 166,248,000 |
| Total capital | 171,711,000 | 176,951,000 | 181,851,000 | 172,128,000 |
| Risk-weighted assets | 1,075,983,000 | 1,055,555,000 | 1,051,954,000 | 1,029,926,000 |