Call reports 2013
ESB BANK — 2013
What ESB BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 86,819,000 | 88,298,000 | 90,357,000 | 90,830,000 |
| Total loans | 48,893,000 | 52,404,000 | 50,949,000 | 51,272,000 |
| Allowance for loan losses | 668,000 | 698,000 | 715,000 | 720,000 |
| Securities available for sale | 26,754,000 | 29,423,000 | 33,048,000 | 32,586,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,872,000 | 72,715,000 | 74,728,000 | 75,257,000 |
| Interest-bearing deposits | 67,733,000 | 69,104,000 | 3,918,000 | 71,256,000 |
| Noninterest-bearing deposits | 4,139,000 | 3,611,000 | 70,810,000 | 4,001,000 |
| Equity capital | 7,590,000 | 7,183,000 | 7,151,000 | 7,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 822,000 | 1,712,000 | 2,612,000 | 3,489,000 |
| Interest expense | 261,000 | 522,000 | 785,000 | 1,046,000 |
| Net interest income | 561,000 | 1,190,000 | 1,827,000 | 2,443,000 |
| Noninterest income | 119,000 | 298,000 | 431,000 | 590,000 |
| Noninterest expense | 413,000 | 792,000 | 1,190,000 | 1,579,000 |
| Provision for loan losses | 22,000 | 45,000 | 60,000 | 60,000 |
| Pretax income | 238,000 | 642,000 | 1,000,000 | 1,398,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 238,000 | 642,000 | 1,000,000 | 1,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,311,000 | 7,558,000 | 7,776,000 | 7,975,000 |
| Total capital | 7,979,000 | 8,256,000 | 8,487,000 | 8,695,000 |
| Risk-weighted assets | 54,363,000 | 57,935,000 | 56,866,000 | 57,734,000 |