Call reports 2018
ESB BANK — 2018
What ESB BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 106,143,000 | 103,979,000 | 107,197,000 | 111,593,000 |
| Total loans | 76,519,000 | 78,277,000 | 81,641,000 | 82,626,000 |
| Allowance for loan losses | 929,000 | 943,000 | 978,000 | 1,004,000 |
| Securities available for sale | 16,377,000 | 16,179,000 | 16,585,000 | 16,546,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,677,000 | 85,152,000 | 87,624,000 | 90,562,000 |
| Interest-bearing deposits | 78,353,000 | 78,414,000 | 79,658,000 | 81,236,000 |
| Noninterest-bearing deposits | 8,324,000 | 6,738,000 | 7,966,000 | 9,326,000 |
| Equity capital | 9,987,000 | 10,264,000 | 9,942,000 | 10,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,066,000 | 2,237,000 | 3,459,000 | 4,806,000 |
| Interest expense | 275,000 | 577,000 | 912,000 | 1,321,000 |
| Net interest income | 791,000 | 1,660,000 | 2,547,000 | 3,485,000 |
| Noninterest income | 192,000 | 434,000 | 564,000 | 775,000 |
| Noninterest expense | 557,000 | 1,133,000 | 1,697,000 | 2,404,000 |
| Provision for loan losses | 24,000 | 37,000 | 72,000 | 96,000 |
| Pretax income | 402,000 | 924,000 | 1,342,000 | 1,760,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 402,000 | 924,000 | 1,342,000 | 1,760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,838,000 | 10,127,000 | 9,924,000 | 10,349,000 |
| Total capital | 10,767,000 | 11,070,000 | 10,902,000 | 11,353,000 |
| Risk-weighted assets | 80,187,000 | 80,293,000 | 83,439,000 | 86,013,000 |