Call reports 2002
ESSEX BANK — 2002
What ESSEX BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 219,440,000 | 219,401,000 | 230,618,000 | 227,996,000 |
| Total loans | 158,035,000 | 162,072,000 | 162,994,000 | 164,969,000 |
| Allowance for loan losses | 2,072,000 | 2,161,000 | 2,175,000 | 2,116,000 |
| Securities available for sale | 42,693,000 | 41,564,000 | 43,470,000 | 45,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,710,000 | 190,021,000 | 200,272,000 | 201,441,000 |
| Interest-bearing deposits | 172,835,000 | 170,861,000 | 181,306,000 | 183,456,000 |
| Noninterest-bearing deposits | 17,875,000 | 19,160,000 | 18,966,000 | 17,985,000 |
| Equity capital | 19,275,000 | 20,058,000 | 20,879,000 | 21,070,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,484,000 | 6,896,000 | 10,295,000 | 13,708,000 |
| Interest expense | 1,563,000 | 3,013,000 | 4,391,000 | 5,694,000 |
| Net interest income | 1,921,000 | 3,883,000 | 5,904,000 | 8,014,000 |
| Noninterest income | 252,000 | 639,000 | 950,000 | 1,268,000 |
| Noninterest expense | 1,422,000 | 2,936,000 | 4,368,000 | 5,924,000 |
| Provision for loan losses | 100,000 | 270,000 | 1,118,000 | 1,208,000 |
| Pretax income | 651,000 | 1,315,000 | 1,367,000 | 2,149,000 |
| Income tax | 140,000 | 280,000 | 213,000 | 366,000 |
| Net income | 511,000 | 1,035,000 | 1,154,000 | 1,783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,752,000 | 18,003,000 | 18,153,000 | 18,495,000 |
| Total capital | 19,824,000 | 20,164,000 | 20,328,000 | 20,611,000 |
| Risk-weighted assets | 174,490,000 | 178,139,000 | 179,257,000 | 180,096,000 |
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