Call reports 2005
ESSEX BANK — 2005
What ESSEX BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 221,932,000 | 222,914,000 | 230,004,000 | 236,269,000 |
| Total loans | 189,605,000 | 192,496,000 | 198,415,000 | 206,164,000 |
| Allowance for loan losses | 1,925,000 | 1,925,000 | 1,925,000 | 1,925,000 |
| Securities available for sale | 11,411,000 | 11,320,000 | 10,182,000 | 7,164,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,070,000 | 170,263,000 | 172,716,000 | 175,246,000 |
| Interest-bearing deposits | 145,000,000 | 142,849,000 | 142,858,000 | 145,910,000 |
| Noninterest-bearing deposits | 25,070,000 | 27,414,000 | 29,858,000 | 29,336,000 |
| Equity capital | 24,177,000 | 24,755,000 | 25,203,000 | 25,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,874,000 | 5,856,000 | 8,943,000 | 12,169,000 |
| Interest expense | 892,000 | 1,832,000 | 2,851,000 | 3,968,000 |
| Net interest income | 1,982,000 | 4,024,000 | 6,092,000 | 8,201,000 |
| Noninterest income | 2,164,000 | 4,232,000 | 6,359,000 | 8,750,000 |
| Noninterest expense | 3,249,000 | 6,418,000 | 9,825,000 | 13,347,000 |
| Provision for loan losses | -45,000 | -45,000 | -45,000 | -45,000 |
| Pretax income | 942,000 | 1,883,000 | 2,671,000 | 3,649,000 |
| Income tax | 386,000 | 772,000 | 1,118,000 | 1,536,000 |
| Net income | 556,000 | 1,111,000 | 1,553,000 | 2,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,762,000 | 23,462,000 | 24,064,000 | 24,725,000 |
| Total capital | 24,434,000 | 25,154,000 | 25,813,000 | 26,542,000 |
| Risk-weighted assets | 133,523,000 | 135,091,000 | 139,704,000 | 145,223,000 |
Machine access — free, no API key
Every figure shown here about ESSEX BANK — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.