Call reports 2024
ESB BANK — 2024
What ESB BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 168,130,000 | 172,443,000 | 176,687,000 | 181,541,000 |
| Total loans | 134,509,000 | 142,056,000 | 146,876,000 | 145,981,000 |
| Allowance for loan losses | 1,440,000 | 1,430,000 | 1,478,000 | 1,510,000 |
| Securities available for sale | 11,271,000 | 11,195,000 | 6,378,000 | 11,235,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,352,000 | 144,253,000 | 148,249,000 | 154,863,000 |
| Interest-bearing deposits | 127,285,000 | 130,271,000 | 136,576,000 | 142,035,000 |
| Noninterest-bearing deposits | 13,067,000 | 13,982,000 | 11,673,000 | 12,828,000 |
| Equity capital | 16,262,000 | 16,588,000 | 16,632,000 | 17,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,458,000 | 5,091,000 | 7,835,000 | 10,606,000 |
| Interest expense | 1,125,000 | 2,317,000 | 3,606,000 | 4,908,000 |
| Net interest income | 1,333,000 | 2,774,000 | 4,229,000 | 5,698,000 |
| Noninterest income | 161,000 | 323,000 | 535,000 | 709,000 |
| Noninterest expense | 871,000 | 1,712,000 | 2,558,000 | 3,515,000 |
| Provision for loan losses | 24,000 | 56,000 | 104,000 | 152,000 |
| Pretax income | 591,000 | 1,321,000 | 2,094,000 | 2,732,000 |
| Income tax | 39,000 | 91,000 | 145,000 | 239,000 |
| Net income | 552,000 | 1,230,000 | 1,949,000 | 2,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,272,000 | 16,669,000 | 16,582,000 | 17,126,000 |