Call reports 2014
ESSEX BANK — 2014
What ESSEX BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,101,550,000 | 1,114,589,000 | 1,128,566,000 | 1,155,482,000 |
| Total loans | 665,470,000 | 698,275,000 | 708,819,000 | 727,680,000 |
| Allowance for loan losses | 10,894,000 | 10,640,000 | 10,248,000 | 9,751,000 |
| Securities available for sale | 271,344,000 | 266,772,000 | 258,209,000 | 274,567,000 |
| Securities held to maturity | 26,625,000 | 26,183,000 | 46,476,000 | 36,196,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 906,615,000 | 916,724,000 | 923,760,000 | 926,855,000 |
| Interest-bearing deposits | 831,233,000 | 836,072,000 | 840,186,000 | 834,381,000 |
| Noninterest-bearing deposits | 75,382,000 | 80,652,000 | 83,574,000 | 92,474,000 |
| Equity capital | 111,541,000 | 114,689,000 | 115,907,000 | 113,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 11,877,000 | 24,331,000 | 36,996,000 | 48,722,000 |
| Interest expense | 1,535,000 | 3,118,000 | 4,760,000 | 6,509,000 |
| Net interest income | 10,342,000 | 21,213,000 | 32,236,000 | 42,213,000 |
| Noninterest income | 688,000 | 1,632,000 | 2,348,000 | 4,187,000 |
| Noninterest expense | 8,818,000 | 18,050,000 | 27,166,000 | 36,435,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,567,000 | 5,174,000 | 7,912,000 | 11,054,000 |
| Income tax | 754,000 | 1,483,000 | 2,258,000 | 3,002,000 |
| Net income | 1,813,000 | 3,691,000 | 5,654,000 | 8,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,927,000 | 108,925,000 | 110,813,000 | 107,987,000 |
| Total capital | 114,045,000 | 117,891,000 | 120,041,000 | 117,395,000 |
| Risk-weighted assets | 675,320,000 | 743,404,000 | 764,971,000 | 786,623,000 |
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