Call reports 2010
ESSEX BANK — 2010
What ESSEX BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 282,622,000 | 288,637,000 | 287,184,000 | 290,975,000 |
| Total loans | 235,145,000 | 234,945,000 | 232,229,000 | 229,835,000 |
| Allowance for loan losses | 2,007,000 | 2,037,000 | 2,063,000 | 2,093,000 |
| Securities available for sale | 1,183,000 | 3,271,000 | 7,460,000 | 6,410,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,923,000 | 219,362,000 | 216,878,000 | 223,086,000 |
| Interest-bearing deposits | 177,666,000 | 181,644,000 | 179,954,000 | 181,955,000 |
| Noninterest-bearing deposits | 36,257,000 | 37,718,000 | 36,924,000 | 41,131,000 |
| Equity capital | 32,796,000 | 33,321,000 | 33,858,000 | 35,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,335,000 | 6,646,000 | 9,970,000 | 13,239,000 |
| Interest expense | 970,000 | 1,935,000 | 2,889,000 | 3,799,000 |
| Net interest income | 2,365,000 | 4,711,000 | 7,081,000 | 9,440,000 |
| Noninterest income | 3,131,000 | 6,681,000 | 10,350,000 | 14,188,000 |
| Noninterest expense | 4,711,000 | 9,708,000 | 14,835,000 | 19,973,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 755,000 | 1,624,000 | 2,506,000 | 3,535,000 |
| Income tax | 314,000 | 674,000 | 1,038,000 | 1,447,000 |
| Net income | 441,000 | 950,000 | 1,468,000 | 2,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,136,000 | 35,690,000 | 36,273,000 | 36,835,000 |
| Total capital | 37,143,000 | 37,727,000 | 38,336,000 | 38,928,000 |
| Risk-weighted assets | 172,621,000 | 173,707,000 | 172,083,000 | 169,361,000 |
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