Call reports 2020
ESB BANK — 2020
What ESB BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 115,149,000 | 127,385,000 | 129,790,000 | 133,374,000 |
| Total loans | 94,680,000 | 99,276,000 | 99,007,000 | 98,790,000 |
| Allowance for loan losses | 1,122,000 | 1,170,000 | 1,218,000 | 1,266,000 |
| Securities available for sale | 11,138,000 | 11,119,000 | 10,322,000 | 9,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,303,000 | 102,430,000 | 104,854,000 | 110,454,000 |
| Interest-bearing deposits | 86,780,000 | 93,255,000 | 95,862,000 | 100,097,000 |
| Noninterest-bearing deposits | 6,523,000 | 9,175,000 | 8,992,000 | 10,357,000 |
| Equity capital | 12,078,000 | 12,427,000 | 12,377,000 | 13,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,368,000 | 2,733,000 | 4,091,000 | 5,674,000 |
| Interest expense | 361,000 | 648,000 | 919,000 | 1,175,000 |
| Net interest income | 1,007,000 | 2,085,000 | 3,172,000 | 4,499,000 |
| Noninterest income | 231,000 | 480,000 | 837,000 | 1,216,000 |
| Noninterest expense | 612,000 | 1,247,000 | 1,896,000 | 2,669,000 |
| Provision for loan losses | 24,000 | 72,000 | 120,000 | 168,000 |
| Pretax income | 602,000 | 1,246,000 | 2,014,000 | 2,899,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 602,000 | 1,246,000 | 2,014,000 | 2,899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,467,000 | 11,762,000 | 11,720,000 | 12,650,000 |
| Total capital | — | 12,932,000 | — | — |
| Risk-weighted assets | — | 101,977,000 | — | — |