Call reports 2007
ESSEX BANK — 2007
What ESSEX BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 258,692,000 | 264,939,000 | 260,300,000 | 258,914,000 |
| Total loans | 220,098,000 | 219,699,000 | 220,677,000 | 227,196,000 |
| Allowance for loan losses | 1,925,000 | 1,925,000 | 1,925,000 | 1,925,000 |
| Securities available for sale | 4,052,000 | 3,152,000 | 3,174,000 | 2,185,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,018,000 | 193,441,000 | 190,235,000 | 188,305,000 |
| Interest-bearing deposits | 157,055,000 | 161,301,000 | 158,259,000 | 156,627,000 |
| Noninterest-bearing deposits | 28,963,000 | 32,140,000 | 31,976,000 | 31,678,000 |
| Equity capital | 28,674,000 | 29,260,000 | 29,268,000 | 29,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,678,000 | 7,485,000 | 11,282,000 | 15,113,000 |
| Interest expense | 1,668,000 | 3,422,000 | 5,190,000 | 6,961,000 |
| Net interest income | 2,010,000 | 4,063,000 | 6,092,000 | 8,152,000 |
| Noninterest income | 2,833,000 | 5,788,000 | 9,307,000 | 12,541,000 |
| Noninterest expense | 4,065,000 | 8,029,000 | 12,359,000 | 17,005,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 778,000 | 1,824,000 | 3,042,000 | 3,690,000 |
| Income tax | 329,000 | 783,000 | 1,314,000 | 1,534,000 |
| Net income | 449,000 | 1,041,000 | 1,728,000 | 2,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,289,000 | 29,110,000 | 30,078,000 | 30,404,000 |
| Total capital | 30,214,000 | 31,035,000 | 32,003,000 | 32,329,000 |
| Risk-weighted assets | 157,138,000 | 158,032,000 | 158,403,000 | 160,460,000 |
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