Call reports 2019
ESB BANK — 2019
What ESB BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 110,159,000 | 111,513,000 | 113,321,000 | 112,905,000 |
| Total loans | 79,846,000 | 85,297,000 | 87,231,000 | 90,732,000 |
| Allowance for loan losses | 1,029,000 | 1,053,000 | 1,080,000 | 1,098,000 |
| Securities available for sale | 15,962,000 | 15,471,000 | 12,161,000 | 11,601,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,534,000 | 90,372,000 | 94,191,000 | 92,469,000 |
| Interest-bearing deposits | 82,202,000 | 82,869,000 | 85,360,000 | 85,931,000 |
| Noninterest-bearing deposits | 7,331,000 | 7,502,000 | 8,831,000 | 6,538,000 |
| Equity capital | 10,874,000 | 11,297,000 | 11,199,000 | 11,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,338,000 | 2,699,000 | 4,075,000 | 5,472,000 |
| Interest expense | 421,000 | 853,000 | 1,297,000 | 1,674,000 |
| Net interest income | 917,000 | 1,846,000 | 2,778,000 | 3,798,000 |
| Noninterest income | 159,000 | 325,000 | 555,000 | 742,000 |
| Noninterest expense | 668,000 | 1,313,000 | 2,063,000 | 2,723,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 384,000 | 798,000 | 1,298,000 | 1,813,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 384,000 | 798,000 | 1,298,000 | 1,813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,578,000 | 10,818,000 | 10,557,000 | 11,078,000 |
| Total capital | 11,607,000 | 11,871,000 | 11,637,000 | 12,176,000 |
| Risk-weighted assets | 82,830,000 | 87,019,000 | 89,877,000 | 92,354,000 |