Call reports 2014
ESB BANK — 2014
What ESB BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 89,570,000 | 88,284,000 | 86,568,000 | 87,434,000 |
| Total loans | 52,031,000 | 54,288,000 | 55,028,000 | 53,369,000 |
| Allowance for loan losses | 723,000 | 723,000 | 726,000 | 713,000 |
| Securities available for sale | 32,238,000 | 28,020,000 | 24,060,000 | 25,949,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,514,000 | 72,722,000 | 70,672,000 | 71,442,000 |
| Interest-bearing deposits | 70,574,000 | 68,386,000 | 66,155,000 | 66,658,000 |
| Noninterest-bearing deposits | 3,940,000 | 4,336,000 | 4,517,000 | 4,784,000 |
| Equity capital | 7,707,000 | 8,175,000 | 8,446,000 | 8,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 841,000 | 1,691,000 | 2,521,000 | 3,381,000 |
| Interest expense | 238,000 | 465,000 | 692,000 | 909,000 |
| Net interest income | 603,000 | 1,226,000 | 1,829,000 | 2,472,000 |
| Noninterest income | 128,000 | 251,000 | 383,000 | 553,000 |
| Noninterest expense | 390,000 | 782,000 | 1,170,000 | 1,576,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 338,000 | 681,000 | 1,031,000 | 1,438,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 338,000 | 681,000 | 1,031,000 | 1,438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,171,000 | 8,327,000 | 8,534,000 | 8,670,000 |
| Total capital | 8,882,000 | 9,050,000 | 9,260,000 | 9,383,000 |
| Risk-weighted assets | 56,894,000 | 58,610,000 | 59,568,000 | 57,829,000 |