Call reports 2006
BANK OF THE EASTERN SHORE — 2006
What BANK OF THE EASTERN SHORE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 187,216,000 | 187,417,000 | 197,921,000 | 202,926,000 |
| Total loans | 136,186,000 | 141,464,000 | 149,576,000 | 150,444,000 |
| Allowance for loan losses | 1,300,000 | 1,302,000 | 1,282,000 | 1,264,000 |
| Securities available for sale | 24,010,000 | 24,213,000 | 21,467,000 | 25,015,000 |
| Securities held to maturity | 511,000 | 511,000 | 511,000 | 510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,474,000 | 165,271,000 | 174,521,000 | 173,674,000 |
| Interest-bearing deposits | 150,182,000 | 150,290,000 | 157,850,000 | 159,474,000 |
| Noninterest-bearing deposits | 15,292,000 | 14,981,000 | 16,671,000 | 14,200,000 |
| Equity capital | 19,932,000 | 20,327,000 | 21,299,000 | 21,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,941,000 | 6,012,000 | 9,212,000 | 12,717,000 |
| Interest expense | 1,236,000 | 2,550,000 | 4,016,000 | 5,580,000 |
| Net interest income | 1,705,000 | 3,462,000 | 5,196,000 | 7,137,000 |
| Noninterest income | 252,000 | 419,000 | 574,000 | 661,000 |
| Noninterest expense | 919,000 | 1,840,000 | 2,803,000 | 4,467,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,038,000 | 2,041,000 | 2,967,000 | 3,331,000 |
| Income tax | 267,000 | 651,000 | 1,008,000 | 1,131,000 |
| Net income | 771,000 | 1,390,000 | 1,959,000 | 2,200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,305,000 | 20,925,000 | 21,588,000 | 22,050,000 |
| Total capital | 21,605,000 | 22,227,000 | 22,870,000 | 23,314,000 |
| Risk-weighted assets | 132,383,000 | 137,154,000 | 147,475,000 | 150,230,000 |