Call reports 2009
ESB FINANCIAL — 2009
What ESB FINANCIAL reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 138,828,000 | 137,227,000 | 142,154,000 | 147,127,000 |
| Total loans | 78,255,000 | 80,440,000 | 80,770,000 | 82,167,000 |
| Allowance for loan losses | 794,000 | 806,000 | 809,000 | 825,000 |
| Securities available for sale | 44,435,000 | 39,159,000 | 38,571,000 | 43,042,000 |
| Securities held to maturity | 127,000 | 95,000 | 55,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,048,000 | 107,978,000 | 109,230,000 | 113,641,000 |
| Interest-bearing deposits | 91,299,000 | 89,207,000 | 92,269,000 | 95,896,000 |
| Noninterest-bearing deposits | 16,749,000 | 18,772,000 | 16,961,000 | 17,745,000 |
| Equity capital | 13,692,000 | 13,557,000 | 13,950,000 | 13,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,875,000 | 3,766,000 | 5,576,000 | 7,432,000 |
| Interest expense | 485,000 | 944,000 | 1,396,000 | 1,849,000 |
| Net interest income | 1,390,000 | 2,822,000 | 4,180,000 | 5,583,000 |
| Noninterest income | 339,000 | 662,000 | 1,009,000 | 1,386,000 |
| Noninterest expense | 1,294,000 | 2,685,000 | 4,095,000 | 5,451,000 |
| Provision for loan losses | 80,000 | 190,000 | 265,000 | 397,000 |
| Pretax income | 355,000 | 609,000 | 829,000 | 1,121,000 |
| Income tax | 15,000 | 20,000 | 30,000 | 10,000 |
| Net income | 340,000 | 589,000 | 799,000 | 1,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,547,000 | 12,598,000 | 12,659,000 | 12,820,000 |
| Total capital | 13,341,000 | 13,404,000 | 13,468,000 | 13,645,000 |
| Risk-weighted assets | 93,342,000 | 94,628,000 | 105,581,000 | 106,441,000 |