Call reports 2009
ESSEX BANK — 2009
What ESSEX BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 273,616,000 | 277,629,000 | 270,618,000 | 275,286,000 |
| Total loans | 239,663,000 | 236,480,000 | 237,350,000 | 236,320,000 |
| Allowance for loan losses | 1,955,000 | 1,986,000 | 2,017,000 | 1,977,000 |
| Securities available for sale | 1,181,000 | 1,180,000 | 1,183,000 | 1,183,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,183,000 | 205,883,000 | 201,111,000 | 205,129,000 |
| Interest-bearing deposits | 168,471,000 | 172,451,000 | 169,034,000 | 170,534,000 |
| Noninterest-bearing deposits | 31,712,000 | 33,432,000 | 32,077,000 | 34,595,000 |
| Equity capital | 31,842,000 | 32,399,000 | 31,899,000 | 32,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,599,000 | 7,129,000 | 10,567,000 | 13,978,000 |
| Interest expense | 1,307,000 | 2,486,000 | 3,588,000 | 4,580,000 |
| Net interest income | 2,292,000 | 4,643,000 | 6,979,000 | 9,398,000 |
| Noninterest income | 2,469,000 | 5,373,000 | 8,351,000 | 11,472,000 |
| Noninterest expense | 4,024,000 | 8,378,000 | 12,732,000 | 17,482,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 707,000 | 1,578,000 | 2,508,000 | 3,268,000 |
| Income tax | 269,000 | 607,000 | 931,000 | 1,236,000 |
| Net income | 438,000 | 971,000 | 1,577,000 | 2,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,034,000 | 33,622,000 | 34,260,000 | 34,642,000 |
| Total capital | 34,989,000 | 35,608,000 | 36,277,000 | 36,619,000 |
| Risk-weighted assets | 170,507,000 | 169,106,000 | 173,430,000 | 172,794,000 |
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