Call reports 2012
ESB BANK — 2012
What ESB BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 80,394,000 | 80,916,000 | 82,210,000 | 85,542,000 |
| Total loans | 47,712,000 | 48,450,000 | 49,376,000 | 46,665,000 |
| Allowance for loan losses | 614,000 | 619,000 | 643,000 | 643,000 |
| Securities available for sale | 22,937,000 | 22,789,000 | 24,131,000 | 26,921,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,853,000 | 66,151,000 | 67,184,000 | 70,432,000 |
| Interest-bearing deposits | 62,518,000 | 62,846,000 | 63,501,000 | 65,802,000 |
| Noninterest-bearing deposits | 3,335,000 | 3,305,000 | 3,683,000 | 4,630,000 |
| Equity capital | 7,192,000 | 7,354,000 | 7,506,000 | 7,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 843,000 | 1,717,000 | 2,569,000 | 3,420,000 |
| Interest expense | 290,000 | 581,000 | 871,000 | 1,144,000 |
| Net interest income | 553,000 | 1,136,000 | 1,698,000 | 2,276,000 |
| Noninterest income | 143,000 | 291,000 | 449,000 | 849,000 |
| Noninterest expense | 381,000 | 766,000 | 1,165,000 | 1,574,000 |
| Provision for loan losses | 22,000 | 45,000 | 67,000 | 90,000 |
| Pretax income | 297,000 | 620,000 | 930,000 | 1,486,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 297,000 | 620,000 | 930,000 | 1,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,610,000 | 6,776,000 | 6,983,000 | 7,339,000 |
| Total capital | 7,224,000 | 7,395,000 | 7,626,000 | 7,982,000 |
| Risk-weighted assets | 53,727,000 | 54,946,000 | 55,691,000 | 52,525,000 |