Call reports 2002
BANK OF THE EASTERN SHORE — 2002
What BANK OF THE EASTERN SHORE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 135,913,000 | 139,069,000 | 144,013,000 | 145,547,000 |
| Total loans | 82,637,000 | 86,856,000 | 90,050,000 | 93,347,000 |
| Allowance for loan losses | 999,000 | 980,000 | 946,000 | 1,050,000 |
| Securities available for sale | 25,118,000 | 31,870,000 | 30,200,000 | 28,861,000 |
| Securities held to maturity | 8,729,000 | 6,478,000 | 5,654,000 | 5,654,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,677,000 | 121,937,000 | 126,049,000 | 127,428,000 |
| Interest-bearing deposits | 110,343,000 | 112,104,000 | 115,826,000 | 116,987,000 |
| Noninterest-bearing deposits | 9,334,000 | 9,833,000 | 10,223,000 | 10,441,000 |
| Equity capital | 15,204,000 | 16,049,000 | 16,719,000 | 16,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,293,000 | 4,573,000 | 6,880,000 | 8,852,000 |
| Interest expense | 1,180,000 | 2,336,000 | 3,501,000 | 4,636,000 |
| Net interest income | 1,113,000 | 2,237,000 | 3,379,000 | 4,216,000 |
| Noninterest income | 107,000 | 223,000 | 332,000 | 489,000 |
| Noninterest expense | 686,000 | 1,382,000 | 2,096,000 | 2,514,000 |
| Provision for loan losses | 0 | 0 | 0 | 104,000 |
| Pretax income | 534,000 | 1,090,000 | 1,627,000 | 2,099,000 |
| Income tax | 183,000 | 336,000 | 452,000 | 721,000 |
| Net income | 351,000 | 754,000 | 1,175,000 | 1,378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,172,000 | 15,820,000 | 16,238,000 | 16,324,000 |
| Total capital | 16,171,000 | 16,800,000 | 17,184,000 | 17,374,000 |
| Risk-weighted assets | 80,710,000 | 81,197,000 | 85,024,000 | 91,408,000 |