Call reports 2002
ESB BANK — 2002
What ESB BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 36,567,000 | 36,040,000 | 35,917,000 | 38,999,000 |
| Total loans | 28,194,000 | 28,308,000 | 28,276,000 | 27,011,000 |
| Allowance for loan losses | 431,000 | 375,000 | 390,000 | 438,000 |
| Securities available for sale | 4,460,000 | 5,065,000 | 4,896,000 | 4,602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,838,000 | 26,255,000 | 25,936,000 | 28,110,000 |
| Interest-bearing deposits | 25,036,000 | 24,370,000 | 23,892,000 | 24,780,000 |
| Noninterest-bearing deposits | 1,802,000 | 1,885,000 | 2,044,000 | 3,330,000 |
| Equity capital | 3,377,000 | 3,478,000 | 3,582,000 | 3,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 610,000 | 1,225,000 | 1,844,000 | 2,456,000 |
| Interest expense | 313,000 | 618,000 | 913,000 | 1,197,000 |
| Net interest income | 297,000 | 607,000 | 931,000 | 1,259,000 |
| Noninterest income | 44,000 | 120,000 | 186,000 | 268,000 |
| Noninterest expense | 225,000 | 446,000 | 697,000 | 981,000 |
| Provision for loan losses | 0 | 15,000 | 30,000 | 35,000 |
| Pretax income | 116,000 | 266,000 | 390,000 | 511,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 116,000 | 266,000 | 390,000 | 511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,003,000 | 3,061,000 | 3,122,000 | 3,215,000 |
| Total capital | 3,383,000 | 3,436,000 | 3,507,000 | 3,588,000 |
| Risk-weighted assets | 30,325,000 | 30,583,000 | 30,772,000 | 29,836,000 |