Call reports 2011
BANK OF THE EASTERN SHORE — 2011
What BANK OF THE EASTERN SHORE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 190,468,000 | 181,218,000 | 170,310,000 | 166,672,000 |
| Total loans | 155,224,000 | 149,746,000 | 143,263,000 | 140,552,000 |
| Allowance for loan losses | 7,102,000 | 7,211,000 | 5,822,000 | 6,049,000 |
| Securities available for sale | 7,698,000 | 6,696,000 | 6,347,000 | 6,223,000 |
| Securities held to maturity | 573,000 | 530,000 | 498,000 | 470,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,206,000 | 167,382,000 | 159,654,000 | 154,536,000 |
| Interest-bearing deposits | 158,976,000 | 155,930,000 | 148,503,000 | 142,758,000 |
| Noninterest-bearing deposits | 12,230,000 | 11,452,000 | 11,151,000 | 11,778,000 |
| Equity capital | 7,651,000 | 7,288,000 | 4,103,000 | 3,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,669,000 | 5,171,000 | 7,747,000 | 9,410,000 |
| Interest expense | 1,427,000 | 2,555,000 | 3,632,000 | 4,650,000 |
| Net interest income | 1,242,000 | 2,616,000 | 4,115,000 | 4,760,000 |
| Noninterest income | -845,000 | -908,000 | -2,765,000 | -3,050,000 |
| Noninterest expense | 1,586,000 | 3,097,000 | 5,054,000 | 5,881,000 |
| Provision for loan losses | 2,000,000 | 2,300,000 | 3,200,000 | 3,740,000 |
| Pretax income | -3,189,000 | -3,689,000 | -6,904,000 | -7,911,000 |
| Income tax | 0 | 0 | 0 | 18,000 |
| Net income | -3,189,000 | -3,689,000 | -6,904,000 | -7,929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,648,000 | 7,147,000 | 3,932,000 | 2,941,000 |
| Total capital | 9,646,000 | 9,108,000 | 5,779,000 | 4,705,000 |
| Risk-weighted assets | 154,715,000 | 151,651,000 | 143,727,000 | 136,855,000 |