Call reports 2003
ESB FINANCIAL — 2003
What ESB FINANCIAL reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 111,703,000 | 113,442,000 | 112,181,000 | 115,253,000 |
| Total loans | 58,295,000 | 56,176,000 | 54,357,000 | 55,210,000 |
| Allowance for loan losses | 665,000 | 648,000 | 658,000 | 667,000 |
| Securities available for sale | 30,968,000 | 32,214,000 | 39,248,000 | 41,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,907,000 | 93,856,000 | 92,736,000 | 94,374,000 |
| Interest-bearing deposits | 78,889,000 | 79,349,000 | 77,470,000 | 77,782,000 |
| Noninterest-bearing deposits | 14,018,000 | 14,507,000 | 15,266,000 | 16,592,000 |
| Equity capital | 13,256,000 | 13,175,000 | 12,878,000 | 12,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,410,000 | 2,786,000 | 4,095,000 | 5,344,000 |
| Interest expense | 398,000 | 769,000 | 1,117,000 | 1,451,000 |
| Net interest income | 1,012,000 | 2,017,000 | 2,978,000 | 3,893,000 |
| Noninterest income | 340,000 | 583,000 | 838,000 | 1,156,000 |
| Noninterest expense | 987,000 | 2,028,000 | 3,050,000 | 4,060,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 80,000 |
| Pretax income | 341,000 | 524,000 | 694,000 | 909,000 |
| Income tax | 19,000 | 27,000 | 42,000 | 21,000 |
| Net income | 322,000 | 497,000 | 652,000 | 888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,141,000 | 11,996,000 | 11,987,000 | 12,068,000 |
| Total capital | 12,806,000 | 12,644,000 | 12,645,000 | 12,735,000 |
| Risk-weighted assets | 63,121,000 | 62,431,000 | 58,169,000 | 64,944,000 |