Call reports 2007
ESB FINANCIAL — 2007
What ESB FINANCIAL reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 111,039,000 | 112,939,000 | 110,542,000 | 119,142,000 |
| Total loans | 63,108,000 | 67,733,000 | 68,938,000 | 73,079,000 |
| Allowance for loan losses | 642,000 | 746,000 | 443,000 | 562,000 |
| Securities available for sale | 32,722,000 | 32,563,000 | 29,514,000 | 27,736,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,794,000 | 95,487,000 | 92,943,000 | 100,754,000 |
| Interest-bearing deposits | 79,019,000 | 57,800,000 | 75,890,000 | 83,283,000 |
| Noninterest-bearing deposits | 16,774,000 | 37,687,000 | 17,053,000 | 17,471,000 |
| Equity capital | 11,860,000 | 11,851,000 | 12,101,000 | 12,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,582,000 | 3,398,000 | 5,166,000 | 7,013,000 |
| Interest expense | 532,000 | 1,115,000 | 1,710,000 | 2,321,000 |
| Net interest income | 1,050,000 | 2,283,000 | 3,456,000 | 4,692,000 |
| Noninterest income | 293,000 | 601,000 | 872,000 | 1,168,000 |
| Noninterest expense | 1,148,000 | 2,324,000 | 3,522,000 | 4,666,000 |
| Provision for loan losses | 64,000 | 94,000 | 178,000 | 283,000 |
| Pretax income | 92,000 | 427,000 | 589,000 | 904,000 |
| Income tax | 13,000 | 25,000 | 38,000 | 50,000 |
| Net income | 79,000 | 402,000 | 551,000 | 854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,988,000 | 12,251,000 | 12,151,000 | 12,345,000 |
| Total capital | 12,630,000 | 12,997,000 | 12,594,000 | 12,907,000 |
| Risk-weighted assets | 74,137,000 | 76,068,000 | 81,663,000 | 86,228,000 |