Call reports 2019
ESB FINANCIAL — 2019
What ESB FINANCIAL reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 238,736,000 | 239,612,000 | 240,900,000 | 243,612,000 |
| Total loans | 157,408,000 | 158,198,000 | 156,303,000 | 159,432,000 |
| Allowance for loan losses | 1,852,000 | 1,926,000 | 2,029,000 | 2,134,000 |
| Securities available for sale | 47,124,000 | 45,843,000 | 44,484,000 | 41,296,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,247,000 | 206,214,000 | 207,138,000 | 209,624,000 |
| Interest-bearing deposits | 143,651,000 | 146,309,000 | 147,153,000 | 152,515,000 |
| Noninterest-bearing deposits | 61,595,000 | 59,906,000 | 59,984,000 | 57,109,000 |
| Equity capital | 23,814,000 | 24,718,000 | 25,173,000 | 25,303,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,292,000 | 4,669,000 | 7,071,000 | 9,351,000 |
| Interest expense | 358,000 | 761,000 | 1,180,000 | 1,611,000 |
| Net interest income | 1,934,000 | 3,908,000 | 5,891,000 | 7,740,000 |
| Noninterest income | 586,000 | 1,229,000 | 1,891,000 | 2,471,000 |
| Noninterest expense | 1,701,000 | 3,459,000 | 5,445,000 | 7,379,000 |
| Provision for loan losses | 124,000 | 247,000 | 371,000 | 494,000 |
| Pretax income | 695,000 | 1,431,000 | 1,966,000 | 2,338,000 |
| Income tax | 22,000 | 45,000 | 65,000 | 89,000 |
| Net income | 673,000 | 1,386,000 | 1,901,000 | 2,249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,990,000 | 24,530,000 | 24,872,000 | 25,044,000 |
| Total capital | 25,842,000 | 26,456,000 | 26,901,000 | 27,178,000 |
| Risk-weighted assets | 188,968,000 | 189,789,000 | 185,593,000 | 193,015,000 |