Call reports 2018
ESB FINANCIAL — 2018
What ESB FINANCIAL reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 223,325,000 | 229,231,000 | 220,026,000 | 229,411,000 |
| Total loans | 157,006,000 | 160,454,000 | 153,472,000 | 155,803,000 |
| Allowance for loan losses | 1,842,000 | 1,599,000 | 1,650,000 | 1,738,000 |
| Securities available for sale | 45,038,000 | 45,547,000 | 45,340,000 | 44,889,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,170,000 | 193,974,000 | 186,302,000 | 195,559,000 |
| Interest-bearing deposits | 139,650,000 | 143,585,000 | 136,959,000 | 140,437,000 |
| Noninterest-bearing deposits | 45,520,000 | 50,390,000 | 49,343,000 | 55,122,000 |
| Equity capital | 21,828,000 | 22,193,000 | 22,232,000 | 23,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,162,000 | 4,327,000 | 6,493,000 | 8,743,000 |
| Interest expense | 282,000 | 557,000 | 874,000 | 1,227,000 |
| Net interest income | 1,880,000 | 3,770,000 | 5,619,000 | 7,516,000 |
| Noninterest income | 558,000 | 1,163,000 | 1,807,000 | 2,363,000 |
| Noninterest expense | 1,741,000 | 3,483,000 | 5,334,000 | 7,117,000 |
| Provision for loan losses | 116,000 | 231,000 | 348,000 | 465,000 |
| Pretax income | 581,000 | 1,219,000 | 1,744,000 | 2,254,000 |
| Income tax | 18,000 | 37,000 | 56,000 | 72,000 |
| Net income | 563,000 | 1,182,000 | 1,688,000 | 2,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,681,000 | 23,134,000 | 23,475,000 | 23,801,000 |
| Total capital | 24,523,000 | 24,733,000 | 25,124,000 | 25,539,000 |
| Risk-weighted assets | 187,141,000 | 189,954,000 | 180,972,000 | 185,922,000 |