Call reports 2019
ESSEX BANK — 2019
What ESSEX BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 397,527,000 | 401,097,000 | 406,529,000 | 420,909,000 |
| Total loans | 318,887,000 | 315,382,000 | 313,371,000 | 312,408,000 |
| Allowance for loan losses | 2,452,000 | 2,496,000 | 2,541,000 | 2,601,000 |
| Securities available for sale | 994,000 | 999,000 | 1,000,000 | 1,001,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,092,000 | 341,230,000 | 346,303,000 | 359,607,000 |
| Interest-bearing deposits | 237,885,000 | 238,909,000 | 239,697,000 | 247,930,000 |
| Noninterest-bearing deposits | 101,207,000 | 102,321,000 | 106,606,000 | 111,677,000 |
| Equity capital | 50,320,000 | 51,239,000 | 51,796,000 | 51,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,746,000 | 7,517,000 | 11,197,000 | 14,890,000 |
| Interest expense | 320,000 | 699,000 | 1,098,000 | 1,528,000 |
| Net interest income | 3,426,000 | 6,818,000 | 10,099,000 | 13,362,000 |
| Noninterest income | 4,400,000 | 9,221,000 | 13,936,000 | 18,213,000 |
| Noninterest expense | 6,717,000 | 13,643,000 | 20,815,000 | 27,643,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 195,000 |
| Pretax income | 1,064,000 | 2,306,000 | 3,085,000 | 3,737,000 |
| Income tax | 262,000 | 588,000 | 811,000 | 942,000 |
| Net income | 802,000 | 1,718,000 | 2,274,000 | 2,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,695,000 | 40,611,000 | 41,167,000 | 41,933,000 |
| Total capital | 42,147,000 | 43,107,000 | 43,708,000 | 44,534,000 |
| Risk-weighted assets | 251,327,000 | 248,787,000 | 249,130,000 | 250,138,000 |
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