Call reports 2023
ESB BANK — 2023
What ESB BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 152,114,000 | 155,047,000 | 159,632,000 | 164,255,000 |
| Total loans | 123,843,000 | 129,319,000 | 130,727,000 | 132,429,000 |
| Allowance for loan losses | 1,413,000 | 1,413,000 | 1,421,000 | 1,431,000 |
| Securities available for sale | 14,144,000 | 13,456,000 | 12,043,000 | 12,731,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,101,000 | 128,691,000 | 133,330,000 | 137,090,000 |
| Interest-bearing deposits | 115,712,000 | 113,452,000 | 119,460,000 | 123,592,000 |
| Noninterest-bearing deposits | 12,389,000 | 15,239,000 | 13,870,000 | 13,498,000 |
| Equity capital | 15,172,000 | 15,377,000 | 15,020,000 | 15,930,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,016,000 | 4,132,000 | 6,408,000 | 8,816,000 |
| Interest expense | 677,000 | 1,448,000 | 2,329,000 | 3,415,000 |
| Net interest income | 1,339,000 | 2,684,000 | 4,079,000 | 5,401,000 |
| Noninterest income | 106,000 | 248,000 | 403,000 | 578,000 |
| Noninterest expense | 838,000 | 1,655,000 | 2,524,000 | 3,339,000 |
| Provision for loan losses | 0 | 0 | 8,000 | 32,000 |
| Pretax income | 593,000 | 1,255,000 | 1,914,000 | 2,572,000 |
| Income tax | 81,000 | 146,000 | 206,000 | 256,000 |
| Net income | 512,000 | 1,109,000 | 1,708,000 | 2,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,132,000 | 15,470,000 | 15,293,000 | 15,900,000 |