Call reports 2006
ESB BANK — 2006
What ESB BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 44,556,000 | 44,524,000 | 46,368,000 | 47,630,000 |
| Total loans | 35,795,000 | 36,374,000 | 37,607,000 | 35,458,000 |
| Allowance for loan losses | 466,000 | 481,000 | 503,000 | 517,000 |
| Securities available for sale | 5,062,000 | 5,332,000 | 5,750,000 | 5,816,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,498,000 | 36,338,000 | 36,208,000 | 38,626,000 |
| Interest-bearing deposits | 33,713,000 | 33,692,000 | 33,618,000 | 36,001,000 |
| Noninterest-bearing deposits | 2,785,000 | 2,646,000 | 2,590,000 | 2,625,000 |
| Equity capital | 4,191,000 | 4,226,000 | 4,525,000 | 4,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 811,000 | 1,672,000 | 2,600,000 | 3,542,000 |
| Interest expense | 340,000 | 719,000 | 1,123,000 | 1,567,000 |
| Net interest income | 471,000 | 953,000 | 1,477,000 | 1,975,000 |
| Noninterest income | 102,000 | 202,000 | 303,000 | 421,000 |
| Noninterest expense | 272,000 | 549,000 | 833,000 | 1,107,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 286,000 | 577,000 | 903,000 | 1,225,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 286,000 | 577,000 | 903,000 | 1,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,011,000 | 4,101,000 | 4,291,000 | 4,241,000 |
| Total capital | 4,477,000 | 4,565,000 | 4,794,000 | 4,727,000 |
| Risk-weighted assets | 38,537,000 | 38,971,000 | 40,484,000 | 38,881,000 |