Call reports 2005
BANK OF THE EASTERN SHORE — 2005
What BANK OF THE EASTERN SHORE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 173,697,000 | 178,692,000 | 180,052,000 | 182,020,000 |
| Total loans | 130,001,000 | 136,615,000 | 136,161,000 | 134,986,000 |
| Allowance for loan losses | 1,230,000 | 1,234,000 | 1,179,000 | 1,300,000 |
| Securities available for sale | 25,607,000 | 23,006,000 | 22,807,000 | 23,317,000 |
| Securities held to maturity | 702,000 | 702,000 | 701,000 | 701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,763,000 | 157,879,000 | 158,257,000 | 160,190,000 |
| Interest-bearing deposits | 140,195,000 | 143,366,000 | 143,603,000 | 145,986,000 |
| Noninterest-bearing deposits | 13,568,000 | 14,513,000 | 14,654,000 | 14,204,000 |
| Equity capital | 18,313,000 | 19,286,000 | 19,700,000 | 19,986,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,550,000 | 5,337,000 | 8,152,000 | 11,147,000 |
| Interest expense | 1,106,000 | 2,243,000 | 3,452,000 | 4,667,000 |
| Net interest income | 1,444,000 | 3,094,000 | 4,700,000 | 6,480,000 |
| Noninterest income | 141,000 | 293,000 | 440,000 | 571,000 |
| Noninterest expense | 891,000 | 1,740,000 | 2,615,000 | 3,750,000 |
| Provision for loan losses | 0 | 0 | 0 | 186,000 |
| Pretax income | 694,000 | 1,611,000 | 2,489,000 | 3,079,000 |
| Income tax | 195,000 | 376,000 | 726,000 | 978,000 |
| Net income | 499,000 | 1,235,000 | 1,763,000 | 2,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,665,000 | 19,139,000 | 19,961,000 | 20,259,000 |
| Total capital | 19,895,000 | 20,373,000 | 21,140,000 | 21,559,000 |
| Risk-weighted assets | 123,985,000 | 130,057,000 | 130,195,000 | 130,043,000 |