Call reports 2008
ESB FINANCIAL — 2008
What ESB FINANCIAL reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 118,997,000 | 129,721,000 | 132,377,000 | 144,103,000 |
| Total loans | 73,132,000 | 75,575,000 | 74,988,000 | 76,847,000 |
| Allowance for loan losses | 647,000 | 838,000 | 823,000 | 778,000 |
| Securities available for sale | 28,398,000 | 36,773,000 | 40,100,000 | 45,840,000 |
| Securities held to maturity | 0 | 0 | 0 | 137,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,619,000 | 102,938,000 | 102,790,000 | 112,544,000 |
| Interest-bearing deposits | 83,885,000 | 83,511,000 | 85,525,000 | 92,287,000 |
| Noninterest-bearing deposits | 17,734,000 | 19,427,000 | 17,266,000 | 20,257,000 |
| Equity capital | 12,864,000 | 12,022,000 | 12,423,000 | 13,447,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,861,000 | 3,745,000 | 5,688,000 | 7,456,000 |
| Interest expense | 598,000 | 1,181,000 | 1,778,000 | 2,318,000 |
| Net interest income | 1,263,000 | 2,564,000 | 3,910,000 | 5,138,000 |
| Noninterest income | 344,000 | 689,000 | 1,018,000 | 1,331,000 |
| Noninterest expense | 1,268,000 | 2,604,000 | 4,041,000 | 5,388,000 |
| Provision for loan losses | 90,000 | 90,000 | 125,000 | 138,000 |
| Pretax income | 249,000 | 559,000 | 762,000 | 806,000 |
| Income tax | -10,000 | 4,000 | 13,000 | 22,000 |
| Net income | 259,000 | 555,000 | 749,000 | 784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,334,000 | 12,404,000 | 12,333,000 | 12,207,000 |
| Total capital | 12,981,000 | 13,242,000 | 13,156,000 | 12,985,000 |
| Risk-weighted assets | 85,859,000 | 91,507,000 | 94,913,000 | 98,899,000 |