The Elberfeld State Bank Financial Statements & Health Reports

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.636

ROAE

Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	The Elberfeld State Bank	All Insured Commercial Banks in Indiana
Balance Sheet $(000)
Total Assets	83,272	606,548
Total Net Loans	40,327	409,621
Total Deposits	74,401	497,111
Total Equity	8,308	63,292
Profitability
Net Income	515	6,062
Return on Average Assets	.636	.965
Return on Average Equity	6.308	9.027
Net Interest Margin	3.479	3.682
Efficiency Ratio	73.361	66.445
Noninterest Income/Revenue	16.123	20.436
Balance Sheet Ratios
Loan-to-Deposit	54.202	79.497
Securities/Assets	.257	.184
Total Equity/Total Assets	.1	.104
Tangible Equity/Tangible Assets	.096	.098
Capital Adequacy
Tier 1 Common Capital	8,241	60,326
Tier 1 Capital	8,241	60,328
Tier 2 Capital	559	4,282
Total Capital	8,800	64,608
Total Risk Weighted Assets	44,533	442,958
Leverage Ratio	9.94	10.395
Common Equity Tier 1 Capital Ratio	18.51	15.27
Tier 1 Capital Ratio	18.51	15.27
Total Capital Ratio	19.76	16.399

Esb Bancorp, Inc. became a new parent organization for The Elberfeld State Bank.

View Profile Aug 25 2005

The Elberfeld State Bank was established 119 years ago and is currently headquartered in Elberfeld, IN.

Jul 25 1905

Relationships	Role	Relationship Start	Relationship End
Esb Bancorp, Inc.	Parent	8/25/2005

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