Call reports 2008
ESB BANK — 2008
What ESB BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 53,249,000 | 52,564,000 | 53,109,000 | 53,021,000 |
| Total loans | 39,403,000 | 39,458,000 | 39,664,000 | 38,863,000 |
| Allowance for loan losses | 414,000 | 440,000 | 448,000 | 466,000 |
| Securities available for sale | 7,578,000 | 7,536,000 | 8,327,000 | 6,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,651,000 | 41,924,000 | 39,817,000 | 43,431,000 |
| Interest-bearing deposits | 39,552,000 | 38,996,000 | 36,970,000 | 39,716,000 |
| Noninterest-bearing deposits | 3,099,000 | 2,928,000 | 2,847,000 | 3,715,000 |
| Equity capital | 5,106,000 | 5,084,000 | 5,195,000 | 5,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 848,000 | 1,673,000 | 2,457,000 | 3,245,000 |
| Interest expense | 444,000 | 860,000 | 1,259,000 | 1,643,000 |
| Net interest income | 404,000 | 813,000 | 1,198,000 | 1,602,000 |
| Noninterest income | 121,000 | 237,000 | 351,000 | 464,000 |
| Noninterest expense | 329,000 | 654,000 | 986,000 | 1,343,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 173,000 | 351,000 | 506,000 | 644,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 173,000 | 351,000 | 506,000 | 644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,775,000 | 4,882,000 | 5,002,000 | 4,847,000 |
| Total capital | 5,189,000 | 5,322,000 | 5,450,000 | 5,313,000 |
| Risk-weighted assets | 43,359,000 | 43,517,000 | 44,662,000 | 43,107,000 |