Call reports 2004
ESB FINANCIAL — 2004
What ESB FINANCIAL reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 112,746,000 | 110,091,000 | 111,391,000 | 111,858,000 |
| Total loans | 52,761,000 | 52,604,000 | 52,158,000 | 50,332,000 |
| Allowance for loan losses | 671,000 | 671,000 | 674,000 | 671,000 |
| Securities available for sale | 39,429,000 | 39,692,000 | 39,603,000 | 44,113,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,158,000 | 91,836,000 | 92,962,000 | 94,127,000 |
| Interest-bearing deposits | 79,957,000 | 76,673,000 | 77,673,000 | 77,925,000 |
| Noninterest-bearing deposits | 14,201,000 | 15,162,000 | 15,289,000 | 16,203,000 |
| Equity capital | 13,008,000 | 12,210,000 | 12,411,000 | 12,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,251,000 | 2,492,000 | 3,735,000 | 5,110,000 |
| Interest expense | 315,000 | 619,000 | 915,000 | 1,214,000 |
| Net interest income | 936,000 | 1,873,000 | 2,820,000 | 3,896,000 |
| Noninterest income | 275,000 | 542,000 | 807,000 | 1,036,000 |
| Noninterest expense | 975,000 | 1,887,000 | 2,847,000 | 3,860,000 |
| Provision for loan losses | 6,000 | 6,000 | 6,000 | 6,000 |
| Pretax income | 230,000 | 522,000 | 774,000 | 1,066,000 |
| Income tax | 9,000 | 14,000 | 22,000 | 35,000 |
| Net income | 221,000 | 508,000 | 752,000 | 1,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,043,000 | 12,131,000 | 12,067,000 | 12,125,000 |
| Total capital | 12,714,000 | 12,802,000 | 12,741,000 | 12,796,000 |
| Risk-weighted assets | 63,354,000 | 63,404,000 | 65,808,000 | 59,633,000 |