Call reports 2015
ESB FINANCIAL — 2015
What ESB FINANCIAL reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 196,084,000 | 195,367,000 | 204,139,000 | 209,835,000 |
| Total loans | 116,633,000 | 120,253,000 | 122,896,000 | 134,664,000 |
| Allowance for loan losses | 1,223,000 | 1,284,000 | 1,342,000 | 1,401,000 |
| Securities available for sale | 57,119,000 | 57,475,000 | 58,670,000 | 56,289,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,370,000 | 156,249,000 | 167,544,000 | 173,206,000 |
| Interest-bearing deposits | 123,373,000 | 121,539,000 | 132,928,000 | 132,568,000 |
| Noninterest-bearing deposits | 34,997,000 | 34,711,000 | 34,616,000 | 40,638,000 |
| Equity capital | 18,190,000 | 17,839,000 | 18,677,000 | 18,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,653,000 | 3,415,000 | 5,194,000 | 7,065,000 |
| Interest expense | 217,000 | 440,000 | 664,000 | 896,000 |
| Net interest income | 1,436,000 | 2,975,000 | 4,530,000 | 6,169,000 |
| Noninterest income | 587,000 | 1,237,000 | 1,765,000 | 2,348,000 |
| Noninterest expense | 1,548,000 | 3,040,000 | 4,540,000 | 6,239,000 |
| Provision for loan losses | 45,000 | 105,000 | 180,000 | 255,000 |
| Pretax income | 430,000 | 1,067,000 | 1,575,000 | 2,023,000 |
| Income tax | 17,000 | 39,000 | 64,000 | 92,000 |
| Net income | 413,000 | 1,028,000 | 1,511,000 | 1,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,419,000 | 17,912,000 | 18,232,000 | 18,494,000 |
| Total capital | 18,642,000 | 19,758,000 | 19,574,000 | 19,895,000 |
| Risk-weighted assets | 142,530,000 | 147,672,000 | 151,816,000 | 160,002,000 |