Call reports 2006
ESSEX BANK — 2006
What ESSEX BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 241,231,000 | 245,637,000 | 243,950,000 | 250,916,000 |
| Total loans | 207,029,000 | 210,254,000 | 212,884,000 | 217,012,000 |
| Allowance for loan losses | 1,925,000 | 1,925,000 | 1,925,000 | 1,925,000 |
| Securities available for sale | 5,161,000 | 4,633,000 | 4,047,000 | 2,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,801,000 | 181,293,000 | 177,507,000 | 178,541,000 |
| Interest-bearing deposits | 149,385,000 | 152,509,000 | 148,989,000 | 146,904,000 |
| Noninterest-bearing deposits | 28,416,000 | 28,784,000 | 28,518,000 | 31,637,000 |
| Equity capital | 26,345,000 | 26,982,000 | 27,561,000 | 28,221,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,284,000 | 6,755,000 | 10,302,000 | 13,945,000 |
| Interest expense | 1,208,000 | 2,519,000 | 3,944,000 | 5,516,000 |
| Net interest income | 2,076,000 | 4,236,000 | 6,358,000 | 8,429,000 |
| Noninterest income | 2,387,000 | 4,989,000 | 7,439,000 | 10,145,000 |
| Noninterest expense | 3,705,000 | 7,382,000 | 11,039,000 | 14,763,000 |
| Provision for loan losses | -175,000 | -175,000 | -175,000 | -175,000 |
| Pretax income | 933,000 | 2,018,000 | 2,933,000 | 3,986,000 |
| Income tax | 387,000 | 848,000 | 1,200,000 | 1,593,000 |
| Net income | 546,000 | 1,170,000 | 1,733,000 | 2,393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,416,000 | 26,226,000 | 26,973,000 | 27,674,000 |
| Total capital | 27,266,000 | 28,120,000 | 28,876,000 | 29,599,000 |
| Risk-weighted assets | 147,914,000 | 151,455,000 | 152,215,000 | 154,496,000 |
Machine access — free, no API key
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