Call reports 2002
ESB FINANCIAL — 2002
What ESB FINANCIAL reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 100,879,000 | 105,821,000 | 108,117,000 | 113,178,000 |
| Total loans | 62,229,000 | 62,597,000 | 62,041,000 | 59,777,000 |
| Allowance for loan losses | 654,000 | 688,000 | 663,000 | 642,000 |
| Securities available for sale | 25,394,000 | 24,708,000 | 30,221,000 | 32,726,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,254,000 | 87,403,000 | 89,583,000 | 95,115,000 |
| Interest-bearing deposits | 72,256,000 | 74,410,000 | 76,919,000 | 80,467,000 |
| Noninterest-bearing deposits | 10,998,000 | 12,993,000 | 12,664,000 | 14,648,000 |
| Equity capital | 12,688,000 | 12,916,000 | 13,368,000 | 13,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,522,000 | 3,031,000 | 4,550,000 | 6,055,000 |
| Interest expense | 514,000 | 1,006,000 | 1,478,000 | 1,919,000 |
| Net interest income | 1,008,000 | 2,025,000 | 3,072,000 | 4,136,000 |
| Noninterest income | 256,000 | 494,000 | 774,000 | 1,093,000 |
| Noninterest expense | 899,000 | 1,887,000 | 2,794,000 | 3,831,000 |
| Provision for loan losses | 22,000 | 62,000 | 107,000 | 137,000 |
| Pretax income | 343,000 | 570,000 | 945,000 | 1,261,000 |
| Income tax | 55,000 | 68,000 | 81,000 | 92,000 |
| Net income | 288,000 | 502,000 | 864,000 | 1,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,030,000 | 11,955,000 | 12,104,000 | 12,047,000 |
| Total capital | 12,684,000 | 12,643,000 | 12,767,000 | 12,689,000 |
| Risk-weighted assets | 62,741,000 | 63,992,000 | 63,373,000 | 63,771,000 |