Call reports 2001
ESB BANK — 2001
What ESB BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 34,173,000 | 33,966,000 | 34,995,000 | 36,037,000 |
| Total loans | 25,571,000 | 26,255,000 | 26,883,000 | 26,838,000 |
| Allowance for loan losses | 374,000 | 405,000 | 420,000 | 431,000 |
| Securities available for sale | 5,647,000 | 5,344,000 | 5,178,000 | 4,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,189,000 | 24,648,000 | 25,449,000 | 26,594,000 |
| Interest-bearing deposits | 23,169,000 | 22,691,000 | 23,339,000 | 24,070,000 |
| Noninterest-bearing deposits | 2,020,000 | 1,957,000 | 2,110,000 | 2,524,000 |
| Equity capital | 3,248,000 | 3,292,000 | 3,391,000 | 3,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 704,000 | 1,378,000 | 2,039,000 | 2,688,000 |
| Interest expense | 394,000 | 770,000 | 1,136,000 | 1,480,000 |
| Net interest income | 310,000 | 608,000 | 903,000 | 1,208,000 |
| Noninterest income | 23,000 | 46,000 | 73,000 | 91,000 |
| Noninterest expense | 196,000 | 383,000 | 554,000 | 735,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 55,000 |
| Pretax income | 122,000 | 241,000 | 377,000 | 509,000 |
| Income tax | 25,000 | 44,000 | 50,000 | 56,000 |
| Net income | 97,000 | 197,000 | 327,000 | 453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,121,000 | 3,165,000 | 3,200,000 | 3,324,000 |
| Total capital | 3,472,000 | 3,521,000 | 3,564,000 | 3,689,000 |
| Risk-weighted assets | 28,058,000 | 28,434,000 | 29,094,000 | 29,131,000 |