Call reports 2012
SOUTH SHORE BANK — 2012
What SOUTH SHORE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 969,230,000 | 974,513,000 | 974,973,000 | 978,765,000 |
| Total loans | 690,987,000 | 684,838,000 | 679,201,000 | 683,150,000 |
| Allowance for loan losses | 6,029,000 | 6,173,000 | 6,343,000 | 6,357,000 |
| Securities available for sale | 208,935,000 | 202,333,000 | 199,794,000 | 200,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 667,508,000 | 671,230,000 | 678,496,000 | 682,753,000 |
| Interest-bearing deposits | 573,838,000 | 571,098,000 | 566,881,000 | 578,657,000 |
| Noninterest-bearing deposits | 93,670,000 | 100,132,000 | 111,615,000 | 104,096,000 |
| Equity capital | 100,217,000 | 101,576,000 | 103,507,000 | 104,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 9,397,000 | 18,787,000 | 27,848,000 | 36,969,000 |
| Interest expense | 2,574,000 | 5,004,000 | 7,457,000 | 9,875,000 |
| Net interest income | 6,823,000 | 13,783,000 | 20,391,000 | 27,094,000 |
| Noninterest income | 1,244,000 | 2,770,000 | 4,269,000 | 5,649,000 |
| Noninterest expense | 6,562,000 | 12,316,000 | 19,002,000 | 24,602,000 |
| Provision for loan losses | 1,064,000 | 1,396,000 | 1,791,000 | 1,826,000 |
| Pretax income | 1,271,000 | 3,431,000 | 4,740,000 | 7,487,000 |
| Income tax | 346,000 | 1,177,000 | 1,634,000 | 2,370,000 |
| Net income | 925,000 | 2,254,000 | 3,106,000 | 5,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,092,000 | 93,478,000 | 94,891,000 | 97,787,000 |
| Total capital | 98,121,000 | 99,651,000 | 101,234,000 | 104,144,000 |
| Risk-weighted assets | 716,477,000 | 714,521,000 | 712,615,000 | 720,298,000 |
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