Call reports 2010
BANK OF THE EASTERN SHORE — 2010
What BANK OF THE EASTERN SHORE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 231,205,000 | 223,008,000 | 213,158,000 | 201,838,000 |
| Total loans | 179,613,000 | 175,611,000 | 172,157,000 | 164,120,000 |
| Allowance for loan losses | 8,751,000 | 9,325,000 | 10,987,000 | 7,760,000 |
| Securities available for sale | 22,658,000 | 13,788,000 | 8,642,000 | 8,169,000 |
| Securities held to maturity | 2,519,000 | 693,000 | 655,000 | 619,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,473,000 | 187,630,000 | 181,242,000 | 174,079,000 |
| Interest-bearing deposits | 179,787,000 | 172,655,000 | 166,708,000 | 161,979,000 |
| Noninterest-bearing deposits | 13,686,000 | 14,975,000 | 14,534,000 | 12,100,000 |
| Equity capital | 18,999,000 | 16,613,000 | 15,034,000 | 10,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,340,000 | 6,170,000 | 8,791,000 | 10,688,000 |
| Interest expense | 1,693,000 | 3,293,000 | 4,774,000 | 6,141,000 |
| Net interest income | 1,647,000 | 2,877,000 | 4,017,000 | 4,547,000 |
| Noninterest income | 249,000 | 496,000 | 2,422,000 | 2,676,000 |
| Noninterest expense | 1,369,000 | 3,355,000 | 5,109,000 | 6,703,000 |
| Provision for loan losses | 0 | 2,700,000 | 4,975,000 | 6,340,000 |
| Pretax income | 527,000 | -2,356,000 | -3,320,000 | -5,495,000 |
| Income tax | 76,000 | -617,000 | 111,000 | 3,680,000 |
| Net income | 451,000 | -1,739,000 | -3,431,000 | -9,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,982,000 | 12,481,000 | 11,682,000 | 10,837,000 |
| Total capital | 17,404,000 | 14,820,000 | 13,964,000 | 12,925,000 |
| Risk-weighted assets | 187,343,000 | 180,297,000 | 173,817,000 | 161,364,000 |