Call reports 2004
ESB BANK — 2004
What ESB BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 40,456,000 | 40,292,000 | 40,803,000 | 40,918,000 |
| Total loans | 28,877,000 | 29,240,000 | 30,316,000 | 30,225,000 |
| Allowance for loan losses | 468,000 | 373,000 | 388,000 | 403,000 |
| Securities available for sale | 6,123,000 | 6,727,000 | 6,991,000 | 6,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,206,000 | 32,286,000 | 32,443,000 | 32,878,000 |
| Interest-bearing deposits | 29,033,000 | 29,297,000 | 29,972,000 | 29,984,000 |
| Noninterest-bearing deposits | 3,173,000 | 2,989,000 | 2,471,000 | 2,894,000 |
| Equity capital | 3,896,000 | 3,647,000 | 3,899,000 | 3,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 552,000 | 1,103,000 | 1,680,000 | 2,298,000 |
| Interest expense | 223,000 | 445,000 | 670,000 | 906,000 |
| Net interest income | 329,000 | 658,000 | 1,010,000 | 1,392,000 |
| Noninterest income | 94,000 | 187,000 | 273,000 | 367,000 |
| Noninterest expense | 235,000 | 488,000 | 745,000 | 1,022,000 |
| Provision for loan losses | 5,000 | 20,000 | 35,000 | 50,000 |
| Pretax income | 183,000 | 337,000 | 504,000 | 677,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 183,000 | 337,000 | 504,000 | 677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,421,000 | 3,492,000 | 3,593,000 | 3,443,000 |
| Total capital | 3,825,000 | 3,865,000 | 3,981,000 | 3,846,000 |
| Risk-weighted assets | 32,279,000 | 32,714,000 | 33,810,000 | 33,458,000 |