Call reports 2010
SOUTH SHORE BANK — 2010
What SOUTH SHORE BANK 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 | 929,039,000 | 928,594,000 | 926,233,000 | 944,002,000 |
| Total loans | 592,447,000 | 599,272,000 | 607,020,000 | 606,045,000 |
| Allowance for loan losses | 6,758,000 | 5,410,000 | 5,877,000 | 5,835,000 |
| Securities available for sale | 255,864,000 | 249,375,000 | 229,956,000 | 246,909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 640,856,000 | 649,780,000 | 655,713,000 | 655,993,000 |
| Interest-bearing deposits | 564,066,000 | 570,558,000 | 578,495,000 | 579,683,000 |
| Noninterest-bearing deposits | 76,790,000 | 79,222,000 | 77,218,000 | 76,310,000 |
| Equity capital | 87,409,000 | 89,152,000 | 90,449,000 | 91,829,000 |
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 | 10,175,000 | 20,408,000 | 30,596,000 | 40,045,000 |
| Interest expense | 3,784,000 | 7,253,000 | 10,574,000 | 13,723,000 |
| Net interest income | 6,391,000 | 13,155,000 | 20,022,000 | 26,322,000 |
| Noninterest income | 1,244,000 | 2,652,000 | 4,808,000 | 7,136,000 |
| Noninterest expense | 6,341,000 | 12,890,000 | 20,025,000 | 26,005,000 |
| Provision for loan losses | 0 | 125,000 | 806,000 | 892,000 |
| Pretax income | 1,970,000 | 3,996,000 | 5,775,000 | 8,282,000 |
| Income tax | 713,000 | 1,414,000 | 2,026,000 | 2,473,000 |
| Net income | 1,257,000 | 2,582,000 | 3,749,000 | 5,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,635,000 | 80,632,000 | 82,823,000 | 84,989,000 |
| Total capital | 87,393,000 | 86,042,000 | 88,700,000 | 91,043,000 |
| Risk-weighted assets | 652,067,000 | 645,470,000 | 645,281,000 | 662,603,000 |
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