Call reports 2014
ESB FINANCIAL — 2014
What ESB FINANCIAL reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 176,073,000 | 178,770,000 | 190,022,000 | 194,195,000 |
| Total loans | 99,552,000 | 103,047,000 | 112,310,000 | 114,783,000 |
| Allowance for loan losses | 1,097,000 | 1,112,000 | 1,153,000 | 1,180,000 |
| Securities available for sale | 56,145,000 | 55,885,000 | 55,449,000 | 58,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,565,000 | 146,140,000 | 153,223,000 | 158,153,000 |
| Interest-bearing deposits | 114,132,000 | 114,936,000 | 121,467,000 | 124,362,000 |
| Noninterest-bearing deposits | 28,433,000 | 31,204,000 | 31,756,000 | 33,791,000 |
| Equity capital | 15,731,000 | 16,490,000 | 17,141,000 | 17,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,511,000 | 3,080,000 | 4,665,000 | 6,362,000 |
| Interest expense | 228,000 | 454,000 | 676,000 | 898,000 |
| Net interest income | 1,283,000 | 2,626,000 | 3,989,000 | 5,464,000 |
| Noninterest income | 530,000 | 1,045,000 | 1,670,000 | 2,213,000 |
| Noninterest expense | 1,423,000 | 2,842,000 | 4,318,000 | 5,996,000 |
| Provision for loan losses | 30,000 | 60,000 | 95,000 | 155,000 |
| Pretax income | 362,000 | 771,000 | 1,248,000 | 1,528,000 |
| Income tax | 15,000 | 33,000 | 55,000 | 56,000 |
| Net income | 347,000 | 738,000 | 1,193,000 | 1,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,198,000 | 16,433,000 | 17,135,000 | 17,259,000 |
| Total capital | 17,295,000 | 17,545,000 | 18,288,000 | 18,439,000 |
| Risk-weighted assets | 128,175,000 | 130,643,000 | 138,868,000 | 141,015,000 |