Call reports 2020
ESB FINANCIAL — 2020
What ESB FINANCIAL reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 247,157,000 | 298,381,000 | 310,169,000 | 313,320,000 |
| Total loans | 170,717,000 | 191,176,000 | 187,776,000 | 174,686,000 |
| Allowance for loan losses | 2,253,000 | 2,367,000 | 2,373,000 | 2,490,000 |
| Securities available for sale | 39,192,000 | 36,970,000 | 35,610,000 | 37,546,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,028,000 | 262,295,000 | 275,213,000 | 278,651,000 |
| Interest-bearing deposits | 154,559,000 | 187,562,000 | 199,109,000 | 206,426,000 |
| Noninterest-bearing deposits | 58,470,000 | 74,733,000 | 76,104,000 | 72,225,000 |
| Equity capital | 25,826,000 | 27,012,000 | 27,294,000 | 26,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,340,000 | 4,745,000 | 7,248,000 | 9,838,000 |
| Interest expense | 419,000 | 808,000 | 1,215,000 | 1,624,000 |
| Net interest income | 1,921,000 | 3,937,000 | 6,033,000 | 8,214,000 |
| Noninterest income | 704,000 | 2,016,000 | 2,598,000 | 2,644,000 |
| Noninterest expense | 1,890,000 | 4,144,000 | 6,203,000 | 8,376,000 |
| Provision for loan losses | 118,000 | 250,000 | 383,000 | 530,000 |
| Pretax income | 617,000 | 1,594,000 | 2,084,000 | 1,989,000 |
| Income tax | 18,000 | 45,000 | 61,000 | 81,000 |
| Net income | 599,000 | 1,549,000 | 2,023,000 | 1,908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,298,000 | 26,112,000 | 26,452,000 | 26,203,000 |
| Total capital | 27,551,000 | 28,479,000 | 28,825,000 | 28,693,000 |
| Risk-weighted assets | 203,050,000 | 224,745,000 | 222,839,000 | 208,536,000 |