Call reports 2010
ESB BANK — 2010
What ESB BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 62,370,000 | 63,831,000 | 65,665,000 | 70,596,000 |
| Total loans | 45,036,000 | 44,462,000 | 43,558,000 | 42,173,000 |
| Allowance for loan losses | 424,000 | 438,000 | 462,000 | 502,000 |
| Securities available for sale | 5,511,000 | 6,887,000 | 9,713,000 | 13,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,417,000 | 52,685,000 | 54,127,000 | 59,232,000 |
| Interest-bearing deposits | 47,277,000 | 50,103,000 | 51,275,000 | 54,323,000 |
| Noninterest-bearing deposits | 4,140,000 | 2,582,000 | 2,852,000 | 4,909,000 |
| Equity capital | 5,579,000 | 5,732,000 | 5,956,000 | 5,904,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 715,000 | 1,489,000 | 2,272,000 | 3,053,000 |
| Interest expense | 309,000 | 613,000 | 928,000 | 1,241,000 |
| Net interest income | 406,000 | 876,000 | 1,344,000 | 1,812,000 |
| Noninterest income | 130,000 | 301,000 | 431,000 | 650,000 |
| Noninterest expense | 383,000 | 758,000 | 1,133,000 | 1,517,000 |
| Provision for loan losses | 23,000 | 90,000 | 112,000 | 205,000 |
| Pretax income | 130,000 | 329,000 | 530,000 | 740,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 130,000 | 329,000 | 530,000 | 740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,256,000 | 5,385,000 | 5,523,000 | 5,627,000 |
| Total capital | 5,680,000 | 5,823,000 | 5,985,000 | 6,129,000 |
| Risk-weighted assets | 49,762,000 | 49,147,000 | 48,938,000 | 48,642,000 |