Call reports 2005
ESB FINANCIAL — 2005
What ESB FINANCIAL reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 112,801,000 | 110,895,000 | 110,535,000 | 114,854,000 |
| Total loans | 52,803,000 | 51,435,000 | 52,400,000 | 56,263,000 |
| Allowance for loan losses | 613,000 | 615,000 | 614,000 | 596,000 |
| Securities available for sale | 43,966,000 | 42,833,000 | 41,875,000 | 41,164,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,886,000 | 93,752,000 | 93,281,000 | 97,627,000 |
| Interest-bearing deposits | 80,013,000 | 77,963,000 | 77,889,000 | 80,739,000 |
| Noninterest-bearing deposits | 15,873,000 | 15,789,000 | 15,392,000 | 16,888,000 |
| Equity capital | 11,509,000 | 12,015,000 | 11,590,000 | 11,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,321,000 | 2,712,000 | 4,098,000 | 5,476,000 |
| Interest expense | 314,000 | 652,000 | 1,015,000 | 1,452,000 |
| Net interest income | 1,007,000 | 2,060,000 | 3,083,000 | 4,024,000 |
| Noninterest income | 162,000 | 432,000 | 667,000 | 1,008,000 |
| Noninterest expense | 991,000 | 1,922,000 | 3,045,000 | 3,994,000 |
| Provision for loan losses | 0 | 0 | -50,000 | -50,000 |
| Pretax income | 178,000 | 570,000 | 755,000 | 1,088,000 |
| Income tax | -9,000 | -1,000 | 8,000 | 17,000 |
| Net income | 187,000 | 571,000 | 747,000 | 1,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,029,000 | 12,224,000 | 12,018,000 | 12,167,000 |
| Total capital | 12,642,000 | 12,839,000 | 12,632,000 | 12,763,000 |
| Risk-weighted assets | 60,498,000 | 56,780,000 | 65,738,000 | 71,494,000 |