Call reports 2016
ESB FINANCIAL — 2016
What ESB FINANCIAL reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 211,739,000 | 214,059,000 | 215,234,000 | 217,665,000 |
| Total loans | 134,115,000 | 141,777,000 | 140,653,000 | 149,447,000 |
| Allowance for loan losses | 1,471,000 | 1,524,000 | 1,553,000 | 1,618,000 |
| Securities available for sale | 52,436,000 | 49,685,000 | 47,244,000 | 45,727,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,985,000 | 175,075,000 | 177,000,000 | 180,340,000 |
| Interest-bearing deposits | 135,952,000 | 134,850,000 | 136,833,000 | 139,832,000 |
| Noninterest-bearing deposits | 40,032,000 | 40,225,000 | 40,166,000 | 40,508,000 |
| Equity capital | 19,245,000 | 22,212,000 | 22,521,000 | 21,303,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,884,000 | 3,852,000 | 5,773,000 | 7,709,000 |
| Interest expense | 235,000 | 471,000 | 705,000 | 945,000 |
| Net interest income | 1,649,000 | 3,381,000 | 5,068,000 | 6,764,000 |
| Noninterest income | 577,000 | 1,156,000 | 1,719,000 | 2,290,000 |
| Noninterest expense | 1,552,000 | 3,089,000 | 4,695,000 | 6,350,000 |
| Provision for loan losses | 99,000 | 179,000 | 261,000 | 391,000 |
| Pretax income | 479,000 | 1,238,000 | 1,800,000 | 2,282,000 |
| Income tax | 23,000 | 48,000 | 75,000 | 93,000 |
| Net income | 456,000 | 1,190,000 | 1,725,000 | 2,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,529,000 | 21,081,000 | 21,433,000 | 21,713,000 |
| Total capital | 20,000,000 | 22,605,000 | 22,986,000 | 23,331,000 |
| Risk-weighted assets | 158,907,000 | 169,264,000 | 171,332,000 | 177,973,000 |