Call reports 2005
ESB BANK — 2005
What ESB BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 40,044,000 | 41,177,000 | 41,969,000 | 43,707,000 |
| Total loans | 29,945,000 | 32,306,000 | 32,769,000 | 34,157,000 |
| Allowance for loan losses | 453,000 | 451,000 | 451,000 | 451,000 |
| Securities available for sale | 5,801,000 | 6,035,000 | 5,946,000 | 4,653,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,934,000 | 32,754,000 | 33,392,000 | 35,795,000 |
| Interest-bearing deposits | 29,518,000 | 30,212,000 | 31,059,000 | 33,093,000 |
| Noninterest-bearing deposits | 2,416,000 | 2,542,000 | 2,333,000 | 2,702,000 |
| Equity capital | 3,807,000 | 3,989,000 | 4,066,000 | 3,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 616,000 | 1,273,000 | 1,980,000 | 2,754,000 |
| Interest expense | 236,000 | 496,000 | 782,000 | 1,097,000 |
| Net interest income | 380,000 | 777,000 | 1,198,000 | 1,657,000 |
| Noninterest income | 105,000 | 197,000 | 289,000 | 400,000 |
| Noninterest expense | 266,000 | 537,000 | 814,000 | 1,094,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 204,000 | 422,000 | 658,000 | 905,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 204,000 | 422,000 | 658,000 | 905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,649,000 | 3,726,000 | 3,862,000 | 3,725,000 |
| Total capital | 4,062,000 | 4,163,000 | 4,312,000 | 4,176,000 |
| Risk-weighted assets | 33,130,000 | 35,326,000 | 35,981,000 | 36,995,000 |