Call reports 2009
ESSEX BANK — 2009
What ESSEX BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,366,963,000 | 1,297,974,000 | 1,236,446,000 | 1,224,673,000 |
| Total loans | 830,554,000 | 827,610,000 | 833,590,000 | 728,813,000 |
| Allowance for loan losses | 11,543,000 | 12,185,000 | 16,211,000 | 18,169,000 |
| Securities available for sale | 188,950,000 | 177,551,000 | 169,829,000 | 178,572,000 |
| Securities held to maturity | 143,464,000 | 130,113,000 | 121,023,000 | 113,164,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,107,468,000 | 1,069,606,000 | 1,027,915,000 | 1,031,762,000 |
| Interest-bearing deposits | 1,100,779,000 | 1,063,301,000 | 1,022,662,000 | 969,204,000 |
| Noninterest-bearing deposits | 6,689,000 | 6,305,000 | 5,253,000 | 62,558,000 |
| Equity capital | 170,737,000 | 147,408,000 | 146,865,000 | 132,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 15,551,000 | 31,496,000 | 47,282,000 | 64,001,000 |
| Interest expense | 7,153,000 | 15,018,000 | 21,784,000 | 27,655,000 |
| Net interest income | 8,398,000 | 16,478,000 | 25,498,000 | 36,346,000 |
| Noninterest income | 1,529,000 | 1,942,000 | 2,454,000 | 6,802,000 |
| Noninterest expense | 9,177,000 | 41,935,000 | 51,340,000 | 71,768,000 |
| Provision for loan losses | 5,500,000 | 6,040,000 | 11,272,000 | 19,089,000 |
| Pretax income | -4,788,000 | -29,398,000 | -33,891,000 | -46,972,000 |
| Income tax | -7,000 | -3,425,000 | -5,301,000 | -6,606,000 |
| Net income | 8,085,000 | -13,107,000 | -15,724,000 | -28,699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,773,000 | 116,062,000 | 114,010,000 | 108,223,000 |
| Total capital | 124,162,000 | 124,114,000 | 121,922,000 | 117,008,000 |
| Risk-weighted assets | 699,469,000 | 710,931,000 | 656,472,000 | 724,348,000 |
Machine access — free, no API key
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