Call reports 2013
ESSEX BANK — 2013
What ESSEX BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 320,514,000 | 324,069,000 | 317,409,000 | 331,474,000 |
| Total loans | 224,571,000 | 228,859,000 | 233,733,000 | 236,259,000 |
| Allowance for loan losses | 1,844,000 | 1,874,000 | 1,904,000 | 1,934,000 |
| Securities available for sale | 3,264,000 | 2,267,000 | 1,257,000 | 1,179,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 19,000 | 19,000 | 19,000 | 19,000 |
| Total deposits | 265,772,000 | 270,454,000 | 266,758,000 | 281,033,000 |
| Interest-bearing deposits | 207,075,000 | 208,927,000 | 207,736,000 | 211,910,000 |
| Noninterest-bearing deposits | 58,697,000 | 61,527,000 | 59,022,000 | 69,123,000 |
| Equity capital | 39,196,000 | 39,718,000 | 40,180,000 | 40,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,822,000 | 5,605,000 | 8,379,000 | 11,154,000 |
| Interest expense | 548,000 | 1,060,000 | 1,539,000 | 1,973,000 |
| Net interest income | 2,274,000 | 4,545,000 | 6,840,000 | 9,181,000 |
| Noninterest income | 4,857,000 | 10,361,000 | 15,391,000 | 20,043,000 |
| Noninterest expense | 6,400,000 | 13,197,000 | 20,024,000 | 26,679,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 701,000 | 1,649,000 | 2,117,000 | 2,425,000 |
| Income tax | 322,000 | 745,000 | 755,000 | 765,000 |
| Net income | 379,000 | 904,000 | 1,362,000 | 1,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,238,000 | 34,859,000 | 27,976,000 | 28,274,000 |
| Total capital | 36,082,000 | 36,733,000 | 29,880,000 | 30,208,000 |
| Risk-weighted assets | 171,137,000 | 173,633,000 | 177,121,000 | 176,925,000 |
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