Call reports 2007
SHORE BANK — 2007
What SHORE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 262,761,000 | 260,663,000 | 266,132,000 | 264,341,000 |
| Total loans | 213,907,000 | 214,701,000 | 217,799,000 | 222,586,000 |
| Allowance for loan losses | 2,859,000 | 2,863,000 | 2,854,000 | 2,699,000 |
| Securities available for sale | 22,704,000 | 22,458,000 | 19,694,000 | 16,724,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,319,000 | 205,945,000 | 201,507,000 | 198,327,000 |
| Interest-bearing deposits | 179,120,000 | 175,008,000 | 170,893,000 | 168,579,000 |
| Noninterest-bearing deposits | 30,199,000 | 30,937,000 | 30,614,000 | 29,748,000 |
| Equity capital | 21,370,000 | 21,857,000 | 22,772,000 | 23,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,981,000 | 8,070,000 | 12,243,000 | 16,417,000 |
| Interest expense | 1,859,000 | 3,701,000 | 5,576,000 | 7,452,000 |
| Net interest income | 2,122,000 | 4,369,000 | 6,667,000 | 8,965,000 |
| Noninterest income | 684,000 | 1,295,000 | 2,054,000 | 2,844,000 |
| Noninterest expense | 1,930,000 | 3,974,000 | 5,996,000 | 8,135,000 |
| Provision for loan losses | 0 | 12,000 | 24,000 | -73,000 |
| Pretax income | 876,000 | 1,678,000 | 2,701,000 | 3,697,000 |
| Income tax | 286,000 | 475,000 | 773,000 | 1,107,000 |
| Net income | 590,000 | 1,203,000 | 1,928,000 | 2,590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,085,000 | 21,713,000 | 22,455,000 | 23,020,000 |
| Total capital | 23,382,000 | 24,013,000 | 24,768,000 | 25,361,000 |
| Risk-weighted assets | 182,836,000 | 182,568,000 | 184,034,000 | 186,931,000 |