Essex Savings Bank Service and Trust Since 1851 offices located in Essex, Old Saybrook, Old Lyme and Madison

Financial Statements

	As of December 31,
Assets	2012	2011
Cash and balances due from banks	$ 72,752	$ 56,907
Securities - Available-for-sale	3,255	6,347

Loans receivable	225,968	220,987
Less: Allowance for loan losses	1,814	2,042
	________	________
Loans receivable, net	224,154	218,945

Premises and fixed assets	8,318	7,741
Other real estate owned	808	327
Intangible assets	6,876
Other assets	8,748	8,912
	________	________
Total assets	$324,911	$299,179
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Liabilities and Equity Capital
Interest-bearing deposits	$207,084	$189,407
Noninterest-bearing deposits	61,611	46,696
Other borrowed money	10,759	19,259
Other liabilities	6,374	6,562
	________	________
Total liabilities	285,828	261,924

Bank equity capital	38,821	36,913
Noncontrolling interest in consolidated subsidiary	262	342
	________	________
Total equity capital	39,083	37,255
	________	________
Total Liabilities and Equity Capital	$324,911	$299,179
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