Call reports 2023
ESB FINANCIAL — 2023
What ESB FINANCIAL reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 330,445,000 | 333,145,000 | 335,267,000 | 335,139,000 |
| Total loans | 197,676,000 | 208,184,000 | 204,998,000 | 210,044,000 |
| Allowance for loan losses | 2,556,000 | 2,550,000 | 2,555,000 | 2,564,000 |
| Securities available for sale | 56,662,000 | 54,565,000 | 51,369,000 | 47,346,000 |
| Securities held to maturity | 47,690,000 | 46,453,000 | 45,150,000 | 43,956,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,472,000 | 292,798,000 | 299,642,000 | 297,434,000 |
| Interest-bearing deposits | 212,179,000 | 211,897,000 | 218,926,000 | 220,912,000 |
| Noninterest-bearing deposits | 90,293,000 | 80,901,000 | 80,717,000 | 76,522,000 |
| Equity capital | 23,197,000 | 23,340,000 | 22,519,000 | 24,337,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,048,000 | 6,201,000 | 9,591,000 | 13,285,000 |
| Interest expense | 666,000 | 1,578,000 | 2,875,000 | 4,243,000 |
| Net interest income | 2,382,000 | 4,623,000 | 6,716,000 | 9,042,000 |
| Noninterest income | 718,000 | 1,380,000 | 2,160,000 | 2,838,000 |
| Noninterest expense | 2,091,000 | 4,281,000 | 6,672,000 | 9,376,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 1,002,000 | 1,708,000 | 2,183,000 | 2,135,000 |
| Income tax | 27,000 | 49,000 | 95,000 | 115,000 |
| Net income | 975,000 | 1,659,000 | 2,088,000 | 2,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,577,000 | 30,137,000 | 30,441,000 | 30,247,000 |
| Total capital | 32,133,000 | 32,687,000 | 32,995,000 | 32,811,000 |
| Risk-weighted assets | 231,497,000 | 233,369,000 | 229,096,000 | 229,251,000 |