Call reports 2005
SHORE BANK — 2005
What SHORE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 237,935,000 | 248,453,000 | 248,164,000 | 244,987,000 |
| Total loans | 182,782,000 | 188,843,000 | 191,790,000 | 195,547,000 |
| Allowance for loan losses | 2,482,000 | 2,566,000 | 2,825,000 | 2,851,000 |
| Securities available for sale | 33,692,000 | 33,855,000 | 31,510,000 | 25,947,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,186,000 | 198,177,000 | 197,517,000 | 190,656,000 |
| Interest-bearing deposits | 166,341,000 | 166,519,000 | 164,973,000 | 160,105,000 |
| Noninterest-bearing deposits | 27,845,000 | 31,658,000 | 32,544,000 | 30,551,000 |
| Equity capital | 18,222,000 | 18,447,000 | 18,941,000 | 19,647,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,032,000 | 6,186,000 | 9,527,000 | 12,971,000 |
| Interest expense | 950,000 | 2,018,000 | 3,185,000 | 4,414,000 |
| Net interest income | 2,082,000 | 4,168,000 | 6,342,000 | 8,557,000 |
| Noninterest income | 382,000 | 799,000 | 1,383,000 | 1,920,000 |
| Noninterest expense | 1,550,000 | 3,131,000 | 4,776,000 | 6,398,000 |
| Provision for loan losses | 78,000 | 160,000 | 246,000 | 304,000 |
| Pretax income | 836,000 | 1,676,000 | 2,684,000 | 3,756,000 |
| Income tax | 285,000 | 561,000 | 876,000 | 1,193,000 |
| Net income | 551,000 | 1,115,000 | 1,808,000 | 2,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,787,000 | 17,866,000 | 18,542,000 | 19,345,000 |
| Total capital | 19,827,000 | 19,987,000 | 20,689,000 | 21,500,000 |
| Risk-weighted assets | 162,796,000 | 169,100,000 | 171,107,000 | 171,496,000 |