Call reports 2001
BANK OF THE EASTERN SHORE — 2001
What BANK OF THE EASTERN SHORE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 121,034,000 | 126,352,000 | 129,527,000 | 133,407,000 |
| Total loans | 84,012,000 | 86,300,000 | 87,254,000 | 86,693,000 |
| Allowance for loan losses | 957,000 | 957,000 | 1,027,000 | 1,000,000 |
| Securities available for sale | 16,200,000 | 16,157,000 | 16,984,000 | 18,567,000 |
| Securities held to maturity | 6,689,000 | 11,684,000 | 10,833,000 | 10,731,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,079,000 | 110,968,000 | 113,504,000 | 116,769,000 |
| Interest-bearing deposits | 98,212,000 | 102,517,000 | 105,315,000 | 108,884,000 |
| Noninterest-bearing deposits | 7,867,000 | 8,451,000 | 8,189,000 | 7,885,000 |
| Equity capital | 14,096,000 | 14,427,000 | 14,951,000 | 15,238,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,357,000 | 4,755,000 | 7,194,000 | 9,623,000 |
| Interest expense | 1,213,000 | 2,486,000 | 3,762,000 | 5,013,000 |
| Net interest income | 1,144,000 | 2,269,000 | 3,432,000 | 4,610,000 |
| Noninterest income | 84,000 | 169,000 | 249,000 | 348,000 |
| Noninterest expense | 679,000 | 1,395,000 | 2,007,000 | 3,046,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | 549,000 | 1,043,000 | 1,674,000 | 1,906,000 |
| Income tax | 195,000 | 327,000 | 522,000 | 390,000 |
| Net income | 354,000 | 716,000 | 1,152,000 | 1,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,917,000 | 14,268,000 | 14,769,000 | 15,162,000 |
| Total capital | 14,875,000 | 15,225,000 | 15,789,000 | 16,162,000 |
| Risk-weighted assets | 76,590,000 | 79,156,000 | 81,528,000 | 81,901,000 |