Call reports 2007
ESB BANK — 2007
What ESB BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 49,055,000 | 49,076,000 | 50,345,000 | 52,678,000 |
| Total loans | 37,635,000 | 37,740,000 | 38,115,000 | 36,891,000 |
| Allowance for loan losses | 531,000 | 547,000 | 463,000 | 394,000 |
| Securities available for sale | 6,082,000 | 6,360,000 | 6,292,000 | 7,933,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,363,000 | 39,239,000 | 40,154,000 | 42,769,000 |
| Interest-bearing deposits | 36,210,000 | 36,481,000 | 37,312,000 | 38,448,000 |
| Noninterest-bearing deposits | 3,153,000 | 2,758,000 | 2,842,000 | 4,321,000 |
| Equity capital | 4,720,000 | 4,733,000 | 4,951,000 | 4,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 915,000 | 1,841,000 | 2,788,000 | 3,690,000 |
| Interest expense | 451,000 | 915,000 | 1,401,000 | 1,879,000 |
| Net interest income | 464,000 | 926,000 | 1,387,000 | 1,811,000 |
| Noninterest income | 106,000 | 219,000 | 318,000 | 432,000 |
| Noninterest expense | 292,000 | 597,000 | 924,000 | 1,251,000 |
| Provision for loan losses | 14,000 | 30,000 | 45,000 | 110,000 |
| Pretax income | 264,000 | 518,000 | 721,000 | 867,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 264,000 | 518,000 | 721,000 | 867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,505,000 | 4,628,000 | 4,760,000 | 4,602,000 |
| Total capital | 5,017,000 | 5,143,000 | 5,223,000 | 4,996,000 |
| Risk-weighted assets | 40,957,000 | 41,175,000 | 41,748,000 | 41,216,000 |