Call reports 2010
ESB FINANCIAL — 2010
What ESB FINANCIAL reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 146,658,000 | 150,571,000 | 152,764,000 | 154,230,000 |
| Total loans | 83,248,000 | 87,473,000 | 89,941,000 | 88,613,000 |
| Allowance for loan losses | 822,000 | 885,000 | 924,000 | 965,000 |
| Securities available for sale | 43,565,000 | 43,758,000 | 44,576,000 | 49,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,033,000 | 116,003,000 | 115,772,000 | 120,586,000 |
| Interest-bearing deposits | 94,128,000 | 95,638,000 | 97,213,000 | 102,775,000 |
| Noninterest-bearing deposits | 18,904,000 | 20,365,000 | 18,559,000 | 17,811,000 |
| Equity capital | 14,089,000 | 14,764,000 | 15,082,000 | 14,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,830,000 | 3,639,000 | 5,516,000 | 7,391,000 |
| Interest expense | 429,000 | 863,000 | 1,308,000 | 1,748,000 |
| Net interest income | 1,401,000 | 2,776,000 | 4,208,000 | 5,643,000 |
| Noninterest income | 410,000 | 843,000 | 1,272,000 | 1,667,000 |
| Noninterest expense | 1,320,000 | 2,620,000 | 4,022,000 | 5,502,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 330,000 |
| Pretax income | 416,000 | 849,000 | 1,233,000 | 1,478,000 |
| Income tax | 16,000 | 37,000 | 54,000 | 69,000 |
| Net income | 400,000 | 812,000 | 1,179,000 | 1,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,070,000 | 13,332,000 | 13,549,000 | 13,578,000 |
| Total capital | 13,892,000 | 14,217,000 | 14,473,000 | 14,543,000 |
| Risk-weighted assets | 108,336,000 | 113,269,000 | 121,451,000 | 113,125,000 |