# BANK OF THE EASTERN SHORE
CAMBRIDGE, MD · FDIC certificate 26759 · asset band <$300M · latest filing 2012-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 12 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $162.5M | |
| Deposits | $151.0M | |
| Loans and leases | $138.4M | |
| Total equity | $2.5M | |
| Loans / deposits | 87.74% (p87 of band) | 67.95% |
| Liquid assets / assets | 8.55% (p1 of band) | |
| Uninsured deposits / deposits | 2.62% (p13 of band) | 8.38% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.23% (p68 of band) | |
| FHLB advances / assets | 5.23% | |
| Tier 1 leverage | 1.46% (p0 of band) | 9.95% |
| Unrealized securities loss / equity | 5.81% (p72 of band) | 2.77% |
| AOCI / equity | -0.69% (p15 of band) | |
| ROA (annualized) | -1.29% (p4 of band) | 0.78% |
| Net interest margin | 3.71% (p47 of band) | 3.77% |
| Efficiency ratio | 110.89% (p94 of band) | |
| Noncurrent loans | 6.33% (p91 of band) | 1.40% |
| Net charge-offs (annualized) | 1.24% (p94 of band) | |
| Reserve coverage of noncurrent | 67.42% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 89.63% (p93 of band) | |
| Auto loans | $873,000 (0.63% of loans; DQ 8.48%, NCO 0.08%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -11.8% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 9 | liquid assets <10% |  |
| 2011-09 | 10 | capital falling |  |
| 2011-12 | 10 |  |  |
| 2012-03 | 12 | deposits shrinking, assets shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26759 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/7.json (key "26759", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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