Call reports 2015
ESB BANK — 2015
What ESB BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 89,393,000 | 91,525,000 | 91,013,000 | 93,373,000 |
| Total loans | 55,206,000 | 57,331,000 | 58,402,000 | 57,688,000 |
| Allowance for loan losses | 729,000 | 731,000 | 721,000 | 723,000 |
| Securities available for sale | 25,379,000 | 25,463,000 | 26,347,000 | 26,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,085,000 | 74,205,000 | 73,269,000 | 75,626,000 |
| Interest-bearing deposits | 68,247,000 | 69,936,000 | 69,131,000 | 69,834,000 |
| Noninterest-bearing deposits | 4,838,000 | 4,269,000 | 4,138,000 | 5,792,000 |
| Equity capital | 9,006,000 | 8,997,000 | 9,343,000 | 9,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 786,000 | 1,627,000 | 2,459,000 | 3,327,000 |
| Interest expense | 214,000 | 440,000 | 664,000 | 885,000 |
| Net interest income | 572,000 | 1,187,000 | 1,795,000 | 2,442,000 |
| Noninterest income | 129,000 | 252,000 | 382,000 | 568,000 |
| Noninterest expense | 373,000 | 788,000 | 1,191,000 | 1,641,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 337,000 | 617,000 | 942,000 | 1,325,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 337,000 | 617,000 | 942,000 | 1,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,831,000 | 8,918,000 | 9,108,000 | 9,221,000 |
| Total capital | 9,521,000 | 9,637,000 | 9,829,000 | 9,944,000 |
| Risk-weighted assets | 55,189,000 | 57,547,000 | 58,520,000 | 57,824,000 |