Call reports 2003
ESB BANK — 2003
What ESB BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 38,395,000 | 38,252,000 | 37,458,000 | 38,690,000 |
| Total loans | 27,581,000 | 27,013,000 | 28,158,000 | 26,932,000 |
| Allowance for loan losses | 438,000 | 439,000 | 459,000 | 460,000 |
| Securities available for sale | 4,393,000 | 4,407,000 | 4,570,000 | 5,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,880,000 | 28,053,000 | 29,331,000 | 30,474,000 |
| Interest-bearing deposits | 25,069,000 | 25,488,000 | 26,508,000 | 27,516,000 |
| Noninterest-bearing deposits | 2,811,000 | 2,565,000 | 2,823,000 | 2,958,000 |
| Equity capital | 3,664,000 | 3,752,000 | 3,693,000 | 3,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 578,000 | 1,149,000 | 1,674,000 | 2,204,000 |
| Interest expense | 268,000 | 526,000 | 776,000 | 1,001,000 |
| Net interest income | 310,000 | 623,000 | 898,000 | 1,203,000 |
| Noninterest income | 69,000 | 145,000 | 216,000 | 306,000 |
| Noninterest expense | 221,000 | 443,000 | 671,000 | 909,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 158,000 | 325,000 | 457,000 | 614,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 158,000 | 325,000 | 457,000 | 614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,275,000 | 3,330,000 | 3,409,000 | 3,496,000 |
| Total capital | 3,658,000 | 3,710,000 | 3,797,000 | 3,874,000 |
| Risk-weighted assets | 30,583,000 | 30,199,000 | 30,970,000 | 30,197,000 |