Call reports 2009
SOUTH SHORE BANK — 2009
What SOUTH SHORE BANK 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 | 955,371,000 | 967,121,000 | 954,764,000 | 945,973,000 |
| Total loans | 632,455,000 | 612,528,000 | 592,424,000 | 596,437,000 |
| Allowance for loan losses | 5,647,000 | 5,167,000 | 6,098,000 | 6,392,000 |
| Securities available for sale | 247,366,000 | 274,225,000 | 275,665,000 | 273,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 117,000 | 111,000 | 0 | 0 |
| Total deposits | 638,254,000 | 646,157,000 | 644,546,000 | 653,097,000 |
| Interest-bearing deposits | 561,869,000 | 569,681,000 | 568,521,000 | 572,959,000 |
| Noninterest-bearing deposits | 76,385,000 | 76,476,000 | 76,026,000 | 80,138,000 |
| Equity capital | 79,852,000 | 84,656,000 | 85,758,000 | 85,793,000 |
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 | 11,212,000 | 22,428,000 | 33,250,000 | 43,932,000 |
| Interest expense | 5,173,000 | 10,177,000 | 14,823,000 | 19,157,000 |
| Net interest income | 6,039,000 | 12,251,000 | 18,427,000 | 24,775,000 |
| Noninterest income | 1,833,000 | 3,749,000 | 5,253,000 | 6,496,000 |
| Noninterest expense | 6,104,000 | 13,524,000 | 20,428,000 | 26,615,000 |
| Provision for loan losses | 1,162,000 | 1,656,000 | 6,321,000 | 6,714,000 |
| Pretax income | 1,605,000 | 1,608,000 | -1,948,000 | -615,000 |
| Income tax | 431,000 | -367,000 | -5,375,000 | -5,192,000 |
| Net income | 1,174,000 | 1,975,000 | 3,427,000 | 4,577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,386,000 | 71,216,000 | 73,913,000 | 79,803,000 |
| Total capital | 75,033,000 | 76,383,000 | 80,011,000 | 86,195,000 |
| Risk-weighted assets | 662,267,000 | 681,402,000 | 664,460,000 | 654,411,000 |
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