Call reports 2024
ESB FINANCIAL — 2024
What ESB FINANCIAL reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 330,878,000 | 341,394,000 | 338,429,000 | 346,551,000 |
| Total loans | 217,994,000 | 220,260,000 | 218,619,000 | 226,720,000 |
| Allowance for loan losses | 2,555,000 | 2,548,000 | 2,452,000 | 2,460,000 |
| Securities available for sale | 45,848,000 | 44,413,000 | 43,373,000 | 52,374,000 |
| Securities held to maturity | 42,831,000 | 41,367,000 | 39,868,000 | 38,427,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,968,000 | 296,584,000 | 293,033,000 | 301,750,000 |
| Interest-bearing deposits | 224,415,000 | 228,627,000 | 222,476,000 | 234,058,000 |
| Noninterest-bearing deposits | 68,553,000 | 67,957,000 | 70,557,000 | 67,692,000 |
| Equity capital | 24,756,000 | 25,371,000 | 27,268,000 | 26,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,794,000 | 7,629,000 | 11,687,000 | 15,917,000 |
| Interest expense | 1,335,000 | 2,985,000 | 4,626,000 | 6,184,000 |
| Net interest income | 2,459,000 | 4,644,000 | 7,061,000 | 9,733,000 |
| Noninterest income | 765,000 | 1,495,000 | 2,242,000 | 2,939,000 |
| Noninterest expense | 2,253,000 | 4,570,000 | 7,065,000 | 9,779,000 |
| Provision for loan losses | 5,000 | 10,000 | -69,000 | -58,000 |
| Pretax income | 967,000 | 1,519,000 | 2,139,000 | 2,745,000 |
| Income tax | 24,000 | 40,000 | 65,000 | 86,000 |
| Net income | 943,000 | 1,479,000 | 2,074,000 | 2,659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,776,000 | 31,150,000 | 31,584,000 | 31,590,000 |
| Total capital | 33,331,000 | 33,698,000 | 34,119,000 | 34,125,000 |
| Risk-weighted assets | 239,541,000 | 240,929,000 | 254,028,000 | 240,100,000 |