Call reports 2006
SHORE BANK — 2006
What SHORE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 252,128,000 | 262,164,000 | 262,074,000 | 257,705,000 |
| Total loans | 203,065,000 | 214,107,000 | 210,829,000 | 211,598,000 |
| Allowance for loan losses | 2,867,000 | 2,884,000 | 2,874,000 | 2,873,000 |
| Securities available for sale | 25,451,000 | 23,494,000 | 23,944,000 | 22,741,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,874,000 | 209,346,000 | 208,630,000 | 199,895,000 |
| Interest-bearing deposits | 167,181,000 | 177,050,000 | 174,792,000 | 172,548,000 |
| Noninterest-bearing deposits | 28,693,000 | 32,296,000 | 33,838,000 | 27,347,000 |
| Equity capital | 19,267,000 | 19,877,000 | 20,757,000 | 21,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,503,000 | 7,276,000 | 11,143,000 | 15,222,000 |
| Interest expense | 1,353,000 | 2,982,000 | 4,755,000 | 6,618,000 |
| Net interest income | 2,150,000 | 4,294,000 | 6,388,000 | 8,604,000 |
| Noninterest income | 738,000 | 1,536,000 | 2,267,000 | 2,886,000 |
| Noninterest expense | 1,826,000 | 3,643,000 | 5,490,000 | 7,481,000 |
| Provision for loan losses | 40,000 | 85,000 | 126,000 | 59,000 |
| Pretax income | 1,022,000 | 2,102,000 | 3,018,000 | 3,929,000 |
| Income tax | 312,000 | 643,000 | 944,000 | 1,156,000 |
| Net income | 710,000 | 1,459,000 | 2,074,000 | 2,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,063,000 | 19,801,000 | 20,465,000 | 21,180,000 |
| Total capital | 21,291,000 | 22,118,000 | 22,757,000 | 23,471,000 |
| Risk-weighted assets | 177,609,000 | 184,801,000 | 181,283,000 | 180,911,000 |