Call reports 2009
BANK OF THE EASTERN SHORE — 2009
What BANK OF THE EASTERN SHORE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 237,380,000 | 237,653,000 | 237,233,000 | 229,841,000 |
| Total loans | 182,694,000 | 184,703,000 | 183,708,000 | 179,457,000 |
| Allowance for loan losses | 1,720,000 | 1,829,000 | 1,968,000 | 9,000,000 |
| Securities available for sale | 21,617,000 | 20,294,000 | 19,866,000 | 16,573,000 |
| Securities held to maturity | 2,878,000 | 2,776,000 | 2,680,000 | 2,600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,793,000 | 189,998,000 | 189,053,000 | 192,089,000 |
| Interest-bearing deposits | 176,667,000 | 177,049,000 | 176,287,000 | 178,779,000 |
| Noninterest-bearing deposits | 13,126,000 | 12,949,000 | 12,766,000 | 13,310,000 |
| Equity capital | 23,824,000 | 23,827,000 | 24,313,000 | 18,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,693,000 | 7,377,000 | 11,026,000 | 13,383,000 |
| Interest expense | 1,852,000 | 3,725,000 | 5,580,000 | 7,408,000 |
| Net interest income | 1,841,000 | 3,652,000 | 5,446,000 | 5,975,000 |
| Noninterest income | 223,000 | 444,000 | 664,000 | 948,000 |
| Noninterest expense | 1,461,000 | 3,069,000 | 4,603,000 | 5,615,000 |
| Provision for loan losses | 25,000 | 200,000 | 380,000 | 9,126,000 |
| Pretax income | 578,000 | 827,000 | 1,127,000 | -7,818,000 |
| Income tax | 300,000 | 400,000 | 400,000 | -2,928,000 |
| Net income | 278,000 | 427,000 | 727,000 | -4,890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,602,000 | 23,746,000 | 24,045,000 | 14,530,000 |
| Total capital | 25,322,000 | 25,575,000 | 26,013,000 | 16,946,000 |
| Risk-weighted assets | 179,604,000 | 179,964,000 | 183,563,000 | 186,736,000 |