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Failed Bank History Report
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This institution did not file a CALL/TFR in the most recent FFIEC reporting cycle.
The most recent data available in our database is shown.

Bank of the Eastern Shore as of March-2012
301 CRUSADER ROAD CAMBRIDGE, MD, 21613
Data Source: TBS Bank Monitor.  Data in thousands unless otherwise noted.  Copyright 2014 Total Bank Solutions LLC All Rights Reserved
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Counterparty Quality Score (CQS) Report



IRA Counterparty Quality Analysis
Historial CQS Scores
  - IRA Bank Stress Index (BSI) Factor
  - Asset Quality Trouble Factor
  - FDIC Moral Hazard Factor
March
2012


4
22.0
12.9
5.2

December
2011


4
23.3
14.0
5.1

September
2011


3
23.5
18.4
3.5

June
2011


3
22.3
20.2
3.3

March
2011


3
23.9
19.0
5.8

December
2010


3
22.2
21.5
7.8

September
2010


3
21.4
18.7
7.5

June
2010


3
21.6
17.5
7.2

March
2010


7
1.0
19.2
6.9

December
2009


4
20.7
14.0
6.9

September
2009


7
1.1
11.4
8.9

June
2009


7
1.2
7.0
8.8

IRA Counterparty Quality Scores range from 8 (best) to 1 (worst).
Historical Performance Table



IRA Bank Stress Benchmarks
Grade
Stress Index Number
ROA, %
ROE, %
Efficiency Ratio
Goodwill Writedowns

Capital Adequacy Position
IRA Capital Test
T1/RWA
RBC/RWA
T1/ASSET
Risk Based Capital, Total
Tier 1 RBC
Risk Weighted Assets, Total

Basel II Benchmarks
Bond Equivalent Defaults, Method 1
B.E.D., Method 2
Default Rate, bp
LGD: Loss Given Default, %
M: Wt. Avg. Maturity, yr
EAD: Exposure At Default, %

Economic Capital Analysis
EC
RAROC, %
Tier 1 RBC
T1RBC to EC Leverage
Bank Tangible Common Equity
Percent of Tangible Assets (TCE Ratio)
TCE to EC Leverage

Regulatory Watch Points
Net Income, Period
Total Assets
Lending Assets
Trading Assets
Other Assets (incl. Prepaid Assessments)

Securities Assets

Net Interest Income, YTD
Earning Assets, Total
Net Interest Margin, Current Qtr - Annualized
NIMY, from FDIC 5YR METHOD

Total Deposits
Brokered Deposits
Reciprocal Brokered Deposits
Volatile Liabilities, per FDIC
FHLB Advances

FHLB Advances-to-Assets, percent
Brokered to Total Deposits, percent
FHLB+BRO+VOLIAB to Assets, percent

Gross Defaults, Actual
Provision for Loan Losses, Income Statement
Actual-to-Provision Ratio
Balance Sheet Allowances for Loan Losses

Gross Defaults, Total
30-89 Day Assets, Total
  Guaranteed Portion of 30-89
Over 90 Assets, Total
  Guaranteed Portion of Over 90
Non-Accrual Assets, Total
  Guaranteed Portion of NA
Real Estate Owned (REO)
Total Troubled Assets
Troubled Assets % of Total Assets
   % factored for less 80% GTY Offsets
Non-Conforming Assets, Reported

Texas Ratio

Off Balance Sheet Derivatives, Notional
Loss Realization Margin to RBC, bp

March
2012


F
22.0
-1.3025
-85.39
110.9%
0

Under Cap
Fail
1.8%
3.1%
1.5%
$4,132
$2,412
$133,436


BB
BB
174.0
84.88
4.26
5.3


$19,149
-3.85%
$2,412
0.1:1
$-2,889
-1.79%
-0.15:1


$-529
$162,460
$138,356
$0
$9,318

$5,553

$1,365
$145,134
3.76%
3.71%

$150,951
$0
$0
$14,921
$8,500

5.23%
0.00%
14.42%

$602
$368
1.64:1
$5,906

$602
$6,175
$0
$0
$0
$8,760
$0
$5,367
$20,904
12.87%
12.87%
$8,760

1.68

-
-

December
2011


F
23.3
-4.7572
-262.20
343.9%
0

Under Cap
Fail
2.1%
3.4%
1.8%
$4,705
$2,941
$136,855


B
B
405.6
95.61
4.34
5.1


$19,411
-32.56%
$2,941
0.2:1
$-2,590
-1.57%
-0.13:1


$-7,929
$166,672
$140,552
$0
$9,503

$6,693

$4,760
$148,888
3.20%
2.96%

$154,536
$0
$0
$12,885
$8,500

5.10%
0.00%
12.83%

$5,701
$3,740
1.52:1
$6,049

$5,701
$2,967
$0
$0
$0
$9,074
$0
$5,614
$23,356
14.01%
14.01%
$9,074

1.62

-
-

September
2011


F
23.5
-5.4050
-224.36
374.4%
0

Under Cap
Fail
2.7%
4.0%
2.3%
$5,779
$3,932
$143,727


B
B
495.2
96.56
4.46
5.2


$19,756
-29.77%
$3,932
0.2:1
$-2,136
-1.26%
-0.11:1


$-6,904
$170,310
$143,263
$0
$10,984

$6,845

$4,115
$150,387
3.65%
3.35%

$159,654
$0
$0
$13,131
$6,000

3.52%
0.00%
11.23%

$5,321
$3,200
1.66:1
$5,822

$5,321
$6,641
$0
$0
$0
$13,127
$0
$6,239
$31,328
18.39%
18.39%
$13,127

1.95

-
-

June
2011


F
22.3
-4.0713
-101.23
181.3%
0

Under Cap
Fail
4.7%
6.0%
3.9%
$9,108
$7,147
$151,651


B
B
394.9
96.35
4.61
5.1


$20,532
-15.54%
$7,147
0.4:1
$-1,359
-0.76%
-0.07:1


$-3,689
$181,218
$149,746
$0
$11,118

$7,226

$2,616
$158,593
3.30%
3.10%

$167,382
$0
$0
$13,886
$6,000

3.31%
0.00%
10.97%

$2,957
$2,300
1.29:1
$7,211

$2,957
$6,866
$0
$135
$0
$17,915
$0
$8,647
$36,520
20.15%
20.15%
$18,050

1.84

-
-

March
2011


F
23.9
-0.0063
-0.16
399.5%
0

Under Cap
Fail
4.9%
6.2%
4.0%
$9,646
$7,648
$154,715


B
CCC
687.5
99.63
4.66
4.7


$21,086
-13.90%
$7,648
0.4:1
$346
0.18%
0.02:1


$-3
$190,468
$155,224
$0
$11,569

$8,271

$1,242
$167,042
2.97%
2.86%

$171,206
$0
$0
$13,386
$11,000

5.78%
0.00%
12.80%

$2,668
$2,000
1.33:1
$7,102

$2,668
$7,560
$0
$0
$0
$18,742
$0
$7,305
$36,275
19.05%
19.05%
$18,742

1.77

-
-

December
2010


F
22.2
-0.0024
-0.03
93.6%
0

Adequate
Warn
6.7%
8.0%
5.4%
$13,195
$11,064
$164,817


B
B
475.8
97.30
4.61
4.7


$22,189
-41.27%
$11,064
0.8:1
$13,545
6.65%
0.61:1


$-5
$205,248
$163,722
$0
$15,267

$8,788

$4,547
$179,485
2.53%
2.36%

$174,078
$0
$0
$69,126
$16,000

7.80%
0.00%
41.47%

$7,790
$6,340
1.23:1
$7,760

$7,790
$4,200
$0
$0
$0
$26,185
$0
$6,049
$44,224
21.55%
21.55%
$26,185

1.18

-
-

September
2010


F
21.4
-0.0019
-0.03
79.3%
0

Adequate
Warn
7.2%
8.5%
5.9%
$14,755
$12,474
$173,816


BB
B
245.2
94.38
4.57
4.6


$23,486
-14.97%
$12,474
1.3:1
$10,933
5.17%
0.47:1


$-3
$213,158
$172,157
$0
$15,997

$9,297

$4,017
$186,536
2.87%
2.74%

$181,242
$0
$0
$70,325
$16,000

7.51%
0.00%
40.50%

$3,166
$4,975
0.64:1
$10,987

$3,166
$3,301
$0
$0
$0
$26,298
$0
$7,051
$39,816
18.68%
18.68%
$26,298

1.15

-
-

June
2010


F
21.6
-0.0009
-0.01
99.5%
0

Adequate
Warn
7.4%
8.7%
6.0%
$15,712
$13,373
$180,113


BB
B
279.6
95.65
4.82
4.8


$24,265
-9.88%
$13,373
1.5:1
$12,656
5.72%
0.52:1


$-1
$223,008
$177,594
$0
$19,199

$14,481

$2,877
$192,201
2.99%
2.91%

$187,630
$0
$0
$72,898
$16,000

7.17%
0.00%
39.86%

$2,483
$2,700
0.92:1
$9,325

$2,483
$3,872
$0
$741
$0
$26,592
$0
$5,329
$39,017
17.50%
17.50%
$27,333

1.20

-
-

March
2010


A
1.0
0.7803
9.50
72.2%
0

Adequate
Warn
8.0%
9.3%
6.5%
$17,404
$14,982
$187,417


BB
BBB
56.6
98.03
4.74
5.9


$30,579
0.83%
$14,982
3.7:1
$11,897
5.18%
0.39:1


$451
$231,205
$179,613
$0
$17,232

$25,177

$1,647
$199,828
3.30%
3.29%

$193,473
$0
$0
$76,176
$16,000

6.92%
0.00%
39.87%

$254
-
-
$8,751

$254
$10,793
$0
$7,491
$0
$18,729
$0
$7,102
$44,369
19.19%
19.19%
$26,220

1.20

-
-

December
2009


F
20.7
-0.0004
-0.00
87.5%
0

Well Cap
Pass
11.7%
13.0%
9.3%
$24,063
$21,725
$185,054


BBB
BBB
32.8
98.65
4.64
6.8


$31,325
3.09%
$21,725
6.4:1
$15,682
6.77%
0.50:1


$-1
$233,208
$180,016
$0
$15,226

$19,173

$6,210
$205,495
3.02%
2.89%

$192,089
$0
$0
$80,738
$16,000

6.86%
0.00%
41.48%

$591
$3,079
0.19:1
$4,301

$591
$10,820
$0
$7,931
$0
$6,989
$0
$6,245
$32,576
13.97%
13.97%
$14,920

0.81

-
-

September
2009


A
1.1
0.4086
3.99
75.3%
0

Well Cap
Pass
13.1%
14.2%
10.1%
$26,013
$24,045
$183,563


BBB
A
15.9
99.09
4.69
5.6


$32,658
4.27%
$24,045
7.4:1
$21,427
9.09%
0.66:1


$727
$237,233
$183,708
$0
$12,571

$22,546

$5,446
$216,079
3.36%
3.34%

$189,053
$0
$0
$82,798
$21,000

8.85%
0.00%
43.75%

$219
$380
0.58:1
$1,968

$219
$8,531
$0
$7,395
$0
$7,933
$0
$2,886
$26,964
11.37%
11.37%
$15,328

0.69

-
-

June
2009


A
1.2
0.3593
3.58
74.9%
0

Well Cap
Pass
13.2%
14.2%
10.0%
$25,575
$23,746
$179,964


BBB
A
19.2
99.44
4.71
5.9


$33,694
2.76%
$23,746
7.2:1
$23,827
10.09%
0.71:1


$427
$237,653
$184,703
$0
$11,942

$23,070

$3,652
$219,692
3.32%
3.35%

$189,998
$0
$0
$72,473
$21,000

8.84%
0.00%
39.33%

$177
$200
0.89:1
$1,829

$177
$7,879
$0
$2,406
$0
$6,262
$0
$0
$16,724
7.04%
7.04%
$8,668

0.34

-
-

All CALL/TFR's file to identical calendars ending Dec-31. Quarterly values reported are cumulative thru the reporting year. Dollar data in thousands unless otherwise noted. Selected rates pre-computed by FDIC are factored according to criteria from the regulatory agency to derive annualized rates. Peering groups are dynamically generated each quarter based the bank unit being examined. See the quarterly for peer listings.
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