Call reports 2012
ESSEX BANK — 2012
What ESSEX BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 307,670,000 | 312,357,000 | 313,914,000 | 324,911,000 |
| Total loans | 223,413,000 | 224,292,000 | 225,103,000 | 225,968,000 |
| Allowance for loan losses | 2,055,000 | 2,066,000 | 1,784,000 | 1,814,000 |
| Securities available for sale | 6,313,000 | 5,284,000 | 4,258,000 | 3,255,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 19,000 |
| Total deposits | 247,169,000 | 253,862,000 | 254,839,000 | 268,695,000 |
| Interest-bearing deposits | 194,355,000 | 199,651,000 | 201,608,000 | 207,084,000 |
| Noninterest-bearing deposits | 52,814,000 | 54,211,000 | 53,231,000 | 61,611,000 |
| Equity capital | 37,339,000 | 37,871,000 | 38,429,000 | 38,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,954,000 | 5,952,000 | 8,860,000 | 11,676,000 |
| Interest expense | 703,000 | 1,360,000 | 2,010,000 | 2,638,000 |
| Net interest income | 2,251,000 | 4,592,000 | 6,850,000 | 9,038,000 |
| Noninterest income | 4,501,000 | 9,072,000 | 13,696,000 | 18,664,000 |
| Noninterest expense | 5,935,000 | 11,873,000 | 17,856,000 | 24,348,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 787,000 | 1,731,000 | 2,600,000 | 3,234,000 |
| Income tax | 353,000 | 760,000 | 1,066,000 | 1,387,000 |
| Net income | 434,000 | 971,000 | 1,534,000 | 1,979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,260,000 | 39,869,000 | 40,495,000 | 33,785,000 |
| Total capital | 41,315,000 | 41,935,000 | 42,279,000 | 35,599,000 |
| Risk-weighted assets | 170,284,000 | 169,603,000 | 169,492,000 | 172,703,000 |