Call reports 2010
ESSEX BANK — 2010
What ESSEX BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,221,251,000 | 1,202,010,000 | 1,176,337,000 | 1,114,724,000 |
| Total loans | 722,307,000 | 694,749,000 | 669,931,000 | 641,084,000 |
| Allowance for loan losses | 19,717,000 | 38,864,000 | 34,432,000 | 26,372,000 |
| Securities available for sale | 188,586,000 | 213,267,000 | 237,061,000 | 215,560,000 |
| Securities held to maturity | 105,319,000 | 98,070,000 | 91,766,000 | 84,771,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,044,620,000 | 1,044,693,000 | 1,018,137,000 | 962,331,000 |
| Interest-bearing deposits | 980,708,000 | 977,264,000 | 948,251,000 | 899,366,000 |
| Noninterest-bearing deposits | 63,912,000 | 67,429,000 | 69,886,000 | 62,965,000 |
| Equity capital | 129,157,000 | 111,075,000 | 112,977,000 | 109,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 15,266,000 | 30,214,000 | 45,375,000 | 59,046,000 |
| Interest expense | 5,154,000 | 9,940,000 | 14,386,000 | 18,249,000 |
| Net interest income | 10,112,000 | 20,274,000 | 30,989,000 | 40,797,000 |
| Noninterest income | 21,000 | 323,000 | -932,000 | -1,675,000 |
| Noninterest expense | 9,613,000 | 25,521,000 | 35,945,000 | 45,162,000 |
| Provision for loan losses | 4,961,000 | 25,574,000 | 26,690,000 | 26,690,000 |
| Pretax income | -4,088,000 | -30,067,000 | -32,072,000 | -28,215,000 |
| Income tax | -1,549,000 | -8,888,000 | -9,844,000 | -8,708,000 |
| Net income | -2,539,000 | -21,179,000 | -22,228,000 | -19,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,300,000 | 92,402,000 | 90,847,000 | 91,138,000 |
| Total capital | 113,003,000 | 101,012,000 | 98,975,000 | 98,700,000 |
| Risk-weighted assets | 716,112,000 | 689,378,000 | 675,139,000 | 637,356,000 |
Machine access — free, no API key
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