Call reports 2006
ESB FINANCIAL — 2006
What ESB FINANCIAL reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 118,086,000 | 112,926,000 | 106,851,000 | 109,424,000 |
| Total loans | 58,209,000 | 58,470,000 | 55,734,000 | 56,509,000 |
| Allowance for loan losses | 610,000 | 640,000 | 667,000 | 596,000 |
| Securities available for sale | 42,506,000 | 40,099,000 | 38,130,000 | 38,978,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,526,000 | 91,204,000 | 90,425,000 | 93,690,000 |
| Interest-bearing deposits | 78,374,000 | 73,807,000 | 74,133,000 | 75,818,000 |
| Noninterest-bearing deposits | 18,152,000 | 17,397,000 | 16,293,000 | 17,872,000 |
| Equity capital | 11,445,000 | 11,430,000 | 11,531,000 | 11,699,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,452,000 | 3,039,000 | 4,605,000 | 6,124,000 |
| Interest expense | 465,000 | 993,000 | 1,554,000 | 2,075,000 |
| Net interest income | 987,000 | 2,046,000 | 3,051,000 | 4,049,000 |
| Noninterest income | 300,000 | 585,000 | 810,000 | 1,128,000 |
| Noninterest expense | 1,048,000 | 2,051,000 | 3,279,000 | 4,384,000 |
| Provision for loan losses | 12,000 | 42,000 | 72,000 | 102,000 |
| Pretax income | 227,000 | 538,000 | 510,000 | 691,000 |
| Income tax | 8,000 | 16,000 | 24,000 | 32,000 |
| Net income | 219,000 | 522,000 | 486,000 | 659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,062,000 | 12,215,000 | 11,879,000 | 11,970,000 |
| Total capital | 12,672,000 | 12,855,000 | 12,546,000 | 12,566,000 |
| Risk-weighted assets | 73,442,000 | 75,768,000 | 69,225,000 | 68,604,000 |