Call reports 2013
ESB FINANCIAL — 2013
What ESB FINANCIAL reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 167,053,000 | 171,156,000 | 181,069,000 | 177,084,000 |
| Total loans | 91,057,000 | 91,771,000 | 103,379,000 | 101,419,000 |
| Allowance for loan losses | 1,142,000 | 1,126,000 | 1,123,000 | 1,164,000 |
| Securities available for sale | 56,955,000 | 57,764,000 | 60,799,000 | 58,510,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,892,000 | 139,399,000 | 140,838,000 | 138,485,000 |
| Interest-bearing deposits | 107,117,000 | 108,384,000 | 108,127,000 | 110,769,000 |
| Noninterest-bearing deposits | 26,775,000 | 31,015,000 | 32,711,000 | 27,716,000 |
| Equity capital | 16,934,000 | 15,130,000 | 15,626,000 | 15,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,486,000 | 3,002,000 | 4,548,000 | 6,003,000 |
| Interest expense | 252,000 | 498,000 | 737,000 | 978,000 |
| Net interest income | 1,234,000 | 2,504,000 | 3,811,000 | 5,025,000 |
| Noninterest income | 490,000 | 1,008,000 | 1,546,000 | 2,128,000 |
| Noninterest expense | 1,419,000 | 2,813,000 | 4,265,000 | 5,677,000 |
| Provision for loan losses | 15,000 | 15,000 | 45,000 | 90,000 |
| Pretax income | 290,000 | 684,000 | 1,047,000 | 1,386,000 |
| Income tax | 12,000 | 32,000 | 51,000 | 61,000 |
| Net income | 278,000 | 652,000 | 996,000 | 1,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,494,000 | 15,694,000 | 15,865,000 | 16,020,000 |
| Total capital | 16,636,000 | 16,820,000 | 16,988,000 | 17,184,000 |
| Risk-weighted assets | 122,204,000 | 118,684,000 | 127,444,000 | 128,751,000 |