Call reports 2025
ESSEX BANK — 2025
What ESSEX BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 512,103,000 | 513,074,000 | 505,679,000 | 519,868,000 |
| Total loans | 358,158,000 | 364,794,000 | 370,706,000 | 366,878,000 |
| Allowance for loan losses | 3,185,000 | 3,245,000 | 3,305,000 | 3,365,000 |
| Securities available for sale | 57,004,000 | 49,288,000 | 47,584,000 | 46,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 433,101,000 | 432,014,000 | 423,035,000 | 434,739,000 |
| Interest-bearing deposits | 269,907,000 | 272,192,000 | 268,321,000 | 272,727,000 |
| Noninterest-bearing deposits | 163,194,000 | 159,822,000 | 154,714,000 | 162,012,000 |
| Equity capital | 68,547,000 | 69,931,000 | 71,451,000 | 73,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,220,000 | 10,670,000 | 16,191,000 | 21,914,000 |
| Interest expense | 1,219,000 | 2,438,000 | 3,561,000 | 4,633,000 |
| Net interest income | 4,001,000 | 8,232,000 | 12,630,000 | 17,281,000 |
| Noninterest income | 5,910,000 | 12,293,000 | 18,807,000 | 25,636,000 |
| Noninterest expense | 8,818,000 | 17,755,000 | 26,888,000 | 36,261,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,033,000 | 2,650,000 | 4,369,000 | 6,416,000 |
| Income tax | 312,000 | 749,000 | 1,162,000 | 1,713,000 |
| Net income | 721,000 | 1,901,000 | 3,207,000 | 4,703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,941,000 | 61,121,000 | 62,427,000 | 64,170,000 |