Call reports 2016
ESB BANK — 2016
What ESB BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 92,888,000 | 93,378,000 | 96,617,000 | 96,529,000 |
| Total loans | 60,489,000 | 64,814,000 | 66,429,000 | 66,285,000 |
| Allowance for loan losses | 731,000 | 781,000 | 805,000 | 830,000 |
| Securities available for sale | 24,787,000 | 20,510,000 | 18,311,000 | 18,200,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,917,000 | 75,104,000 | 76,862,000 | 77,986,000 |
| Interest-bearing deposits | 69,187,000 | 70,244,000 | 72,015,000 | 72,355,000 |
| Noninterest-bearing deposits | 5,730,000 | 4,860,000 | 4,847,000 | 5,631,000 |
| Equity capital | 9,695,000 | 9,935,000 | 9,354,000 | 9,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 866,000 | 1,744,000 | 2,689,000 | 3,728,000 |
| Interest expense | 217,000 | 435,000 | 657,000 | 877,000 |
| Net interest income | 649,000 | 1,309,000 | 2,032,000 | 2,851,000 |
| Noninterest income | 137,000 | 281,000 | 440,000 | 649,000 |
| Noninterest expense | 485,000 | 982,000 | 1,458,000 | 1,986,000 |
| Provision for loan losses | 8,000 | 32,000 | 56,000 | 80,000 |
| Pretax income | 295,000 | 583,000 | 957,000 | 1,343,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 295,000 | 583,000 | 957,000 | 1,343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,323,000 | 9,442,000 | 8,936,000 | 9,322,000 |
| Total capital | 10,054,000 | 10,223,000 | 9,741,000 | 10,148,000 |
| Risk-weighted assets | 61,751,000 | 64,648,000 | 67,021,000 | 66,090,000 |