Call reports 2012
SHORE BANK — 2012
What 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 | 294,057,000 | 307,111,000 | 318,549,000 | 312,763,000 |
| Total loans | 233,057,000 | 229,733,000 | 227,608,000 | 235,481,000 |
| Allowance for loan losses | 3,227,000 | 2,964,000 | 2,319,000 | 2,467,000 |
| Securities available for sale | 19,224,000 | 17,590,000 | 18,941,000 | 30,667,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,163,000 | 243,531,000 | 254,163,000 | 248,069,000 |
| Interest-bearing deposits | 195,678,000 | 197,300,000 | 200,663,000 | 198,065,000 |
| Noninterest-bearing deposits | 41,485,000 | 46,231,000 | 53,500,000 | 50,004,000 |
| Equity capital | 26,376,000 | 33,097,000 | 33,990,000 | 34,337,000 |
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 | 3,224,000 | 6,463,000 | 9,789,000 | 13,211,000 |
| Interest expense | 553,000 | 1,075,000 | 1,582,000 | 2,060,000 |
| Net interest income | 2,671,000 | 5,388,000 | 8,207,000 | 11,151,000 |
| Noninterest income | 145,000 | 414,000 | 527,000 | 411,000 |
| Noninterest expense | 2,405,000 | 4,387,000 | 6,406,000 | 8,480,000 |
| Provision for loan losses | -148,000 | 128,000 | 149,000 | 434,000 |
| Pretax income | 559,000 | 1,287,000 | 2,179,000 | 2,648,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 559,000 | 1,287,000 | 2,179,000 | 2,648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,314,000 | 30,196,000 | 31,241,000 | 31,863,000 |
| Total capital | 25,945,000 | 32,804,000 | 33,560,000 | 34,330,000 |
| Risk-weighted assets | 209,859,000 | 208,298,000 | 209,279,000 | 218,542,000 |