Call reports 2011
ESB BANK — 2011
What ESB BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 73,440,000 | 75,823,000 | 76,943,000 | 77,540,000 |
| Total loans | 45,477,000 | 46,567,000 | 46,690,000 | 43,286,000 |
| Allowance for loan losses | 524,000 | 547,000 | 575,000 | 590,000 |
| Securities available for sale | 14,148,000 | 14,329,000 | 17,438,000 | 23,723,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,866,000 | 62,853,000 | 63,796,000 | 64,286,000 |
| Interest-bearing deposits | 56,720,000 | 58,950,000 | 60,100,000 | 58,656,000 |
| Noninterest-bearing deposits | 4,146,000 | 3,903,000 | 3,696,000 | 5,630,000 |
| Equity capital | 6,144,000 | 6,474,000 | 6,643,000 | 6,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 814,000 | 1,736,000 | 2,620,000 | 3,522,000 |
| Interest expense | 303,000 | 609,000 | 920,000 | 1,217,000 |
| Net interest income | 511,000 | 1,127,000 | 1,700,000 | 2,305,000 |
| Noninterest income | 105,000 | 239,000 | 344,000 | 499,000 |
| Noninterest expense | 387,000 | 817,000 | 1,220,000 | 1,653,000 |
| Provision for loan losses | 22,000 | 45,000 | 67,000 | 90,000 |
| Pretax income | 207,000 | 504,000 | 795,000 | 1,099,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 207,000 | 504,000 | 795,000 | 1,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,834,000 | 6,006,000 | 6,194,000 | 6,313,000 |
| Total capital | 6,358,000 | 6,553,000 | 6,769,000 | 6,903,000 |
| Risk-weighted assets | 51,677,000 | 53,371,000 | 53,247,000 | 51,387,000 |