Call reports 2021
ESSEX BANK — 2021
What ESSEX BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 505,353,000 | 534,600,000 | 545,420,000 | 557,297,000 |
| Total loans | 333,070,000 | 329,340,000 | 321,400,000 | 321,199,000 |
| Allowance for loan losses | 2,814,000 | 2,904,000 | 2,601,000 | 2,631,000 |
| Securities available for sale | 3,038,000 | 9,362,000 | 13,416,000 | 25,463,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 443,148,000 | 471,367,000 | 480,403,000 | 492,042,000 |
| Interest-bearing deposits | 278,334,000 | 286,483,000 | 294,914,000 | 307,466,000 |
| Noninterest-bearing deposits | 164,814,000 | 184,884,000 | 185,489,000 | 184,576,000 |
| Equity capital | 52,257,000 | 53,062,000 | 53,515,000 | 55,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,520,000 | 6,932,000 | 10,486,000 | 13,904,000 |
| Interest expense | 169,000 | 298,000 | 400,000 | 500,000 |
| Net interest income | 3,351,000 | 6,634,000 | 10,086,000 | 13,404,000 |
| Noninterest income | 4,524,000 | 9,778,000 | 15,014,000 | 20,299,000 |
| Noninterest expense | 7,105,000 | 14,495,000 | 22,400,000 | 29,898,000 |
| Provision for loan losses | 90,000 | 180,000 | 370,000 | 400,000 |
| Pretax income | 680,000 | 1,737,000 | 2,330,000 | 3,405,000 |
| Income tax | 172,000 | 447,000 | 543,000 | 817,000 |
| Net income | 508,000 | 1,290,000 | 1,787,000 | 2,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,590,000 | 44,372,000 | 44,869,000 | 45,917,000 |
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