Call reports 2012
ESB FINANCIAL — 2012
What ESB FINANCIAL reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 162,839,000 | 165,447,000 | 166,387,000 | 168,815,000 |
| Total loans | 90,252,000 | 97,025,000 | 91,829,000 | 88,926,000 |
| Allowance for loan losses | 1,085,000 | 1,136,000 | 1,185,000 | 1,155,000 |
| Securities available for sale | 54,166,000 | 52,161,000 | 50,618,000 | 52,109,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,398,000 | 130,044,000 | 130,101,000 | 133,468,000 |
| Interest-bearing deposits | 103,181,000 | 103,161,000 | 104,098,000 | 107,386,000 |
| Noninterest-bearing deposits | 23,217,000 | 26,883,000 | 26,003,000 | 26,082,000 |
| Equity capital | 16,430,000 | 16,962,000 | 17,403,000 | 17,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,824,000 | 3,529,000 | 5,039,000 | 6,597,000 |
| Interest expense | 298,000 | 581,000 | 859,000 | 1,127,000 |
| Net interest income | 1,526,000 | 2,948,000 | 4,180,000 | 5,470,000 |
| Noninterest income | 457,000 | 937,000 | 1,617,000 | 2,198,000 |
| Noninterest expense | 1,495,000 | 2,806,000 | 4,208,000 | 5,690,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 180,000 |
| Pretax income | 428,000 | 959,000 | 1,409,000 | 1,798,000 |
| Income tax | 15,000 | 35,000 | 68,000 | 77,000 |
| Net income | 413,000 | 924,000 | 1,341,000 | 1,721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,699,000 | 15,036,000 | 15,277,000 | 15,415,000 |
| Total capital | 15,784,000 | 16,172,000 | 16,462,000 | 16,570,000 |
| Risk-weighted assets | 114,186,000 | 122,515,000 | 120,444,000 | 119,404,000 |