Call reports 2011
ESB FINANCIAL — 2011
What ESB FINANCIAL reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 156,795,000 | 162,018,000 | 163,864,000 | 161,544,000 |
| Total loans | 86,179,000 | 93,653,000 | 93,762,000 | 91,318,000 |
| Allowance for loan losses | 1,033,000 | 1,065,000 | 1,094,000 | 1,115,000 |
| Securities available for sale | 52,972,000 | 53,318,000 | 54,351,000 | 53,084,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,086,000 | 127,631,000 | 127,023,000 | 126,583,000 |
| Interest-bearing deposits | 103,162,000 | 107,153,000 | 102,513,000 | 104,324,000 |
| Noninterest-bearing deposits | 20,924,000 | 20,478,000 | 24,510,000 | 22,259,000 |
| Equity capital | 14,421,000 | 15,429,000 | 16,249,000 | 16,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,767,000 | 3,631,000 | 5,544,000 | 7,390,000 |
| Interest expense | 409,000 | 822,000 | 1,176,000 | 1,496,000 |
| Net interest income | 1,358,000 | 2,809,000 | 4,368,000 | 5,894,000 |
| Noninterest income | 460,000 | 900,000 | 1,365,000 | 1,826,000 |
| Noninterest expense | 1,409,000 | 2,874,000 | 4,299,000 | 5,723,000 |
| Provision for loan losses | 90,000 | 180,000 | 225,000 | 270,000 |
| Pretax income | 319,000 | 655,000 | 1,209,000 | 1,727,000 |
| Income tax | 14,000 | 28,000 | 47,000 | 73,000 |
| Net income | 305,000 | 627,000 | 1,162,000 | 1,654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,685,000 | 13,857,000 | 14,243,000 | 14,585,000 |
| Total capital | 14,718,000 | 14,922,000 | 15,337,000 | 15,700,000 |
| Risk-weighted assets | 105,328,000 | 114,205,000 | 112,664,000 | 112,930,000 |