Call reports 2011
ESSEX BANK — 2011
What ESSEX BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 291,966,000 | 298,064,000 | 297,457,000 | 299,179,000 |
| Total loans | 226,166,000 | 224,021,000 | 222,578,000 | 220,987,000 |
| Allowance for loan losses | 2,044,000 | 2,070,000 | 2,100,000 | 2,042,000 |
| Securities available for sale | 6,375,000 | 6,389,000 | 6,375,000 | 6,347,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,757,000 | 233,079,000 | 233,354,000 | 236,103,000 |
| Interest-bearing deposits | 182,034,000 | 188,084,000 | 186,718,000 | 189,407,000 |
| Noninterest-bearing deposits | 45,723,000 | 44,995,000 | 46,636,000 | 46,696,000 |
| Equity capital | 35,774,000 | 36,285,000 | 36,844,000 | 36,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,145,000 | 6,256,000 | 9,306,000 | 12,287,000 |
| Interest expense | 860,000 | 1,699,000 | 2,512,000 | 3,260,000 |
| Net interest income | 2,285,000 | 4,557,000 | 6,794,000 | 9,027,000 |
| Noninterest income | 3,976,000 | 8,191,000 | 12,484,000 | 16,912,000 |
| Noninterest expense | 5,398,000 | 10,954,000 | 16,638,000 | 22,445,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 833,000 | 1,734,000 | 2,550,000 | 3,374,000 |
| Income tax | 384,000 | 794,000 | 1,056,000 | 1,409,000 |
| Net income | 449,000 | 940,000 | 1,494,000 | 1,965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,404,000 | 37,991,000 | 38,630,000 | 38,762,000 |
| Total capital | 39,448,000 | 40,051,000 | 40,713,000 | 40,804,000 |
| Risk-weighted assets | 165,856,000 | 164,809,000 | 166,646,000 | 166,751,000 |
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