Call reports 2013
ESSEX BANK — 2013
What ESSEX BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,115,583,000 | 1,122,982,000 | 1,113,361,000 | 1,087,821,000 |
| Total loans | 663,316,000 | 672,886,000 | 671,626,000 | 669,548,000 |
| Allowance for loan losses | 12,742,000 | 12,007,000 | 11,137,000 | 10,928,000 |
| Securities available for sale | 274,090,000 | 278,125,000 | 270,638,000 | 265,777,000 |
| Securities held to maturity | 38,677,000 | 35,747,000 | 32,910,000 | 28,563,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 942,553,000 | 953,357,000 | 960,754,000 | 892,664,000 |
| Interest-bearing deposits | 860,727,000 | 864,212,000 | 871,563,000 | 822,209,000 |
| Noninterest-bearing deposits | 81,826,000 | 89,145,000 | 89,191,000 | 70,455,000 |
| Equity capital | 118,444,000 | 114,915,000 | 110,723,000 | 108,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 12,166,000 | 24,659,000 | 37,828,000 | 50,045,000 |
| Interest expense | 1,860,000 | 3,618,000 | 5,330,000 | 6,941,000 |
| Net interest income | 10,306,000 | 21,041,000 | 32,498,000 | 43,104,000 |
| Noninterest income | 451,000 | 1,290,000 | 1,933,000 | 2,624,000 |
| Noninterest expense | 9,005,000 | 18,284,000 | 27,731,000 | 37,139,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,030,000 | 4,455,000 | 7,146,000 | 9,107,000 |
| Income tax | 612,000 | 1,334,000 | 2,171,000 | 2,735,000 |
| Net income | 1,418,000 | 3,121,000 | 4,975,000 | 6,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 106,034,000 | 106,900,000 | 104,808,000 | 105,489,000 |
| Total capital | 114,037,000 | 115,099,000 | 113,016,000 | 113,615,000 |
| Risk-weighted assets | 667,726,000 | 684,308,000 | 682,676,000 | 675,921,000 |
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