Call reports 2013
SHORE BANK — 2013
What SHORE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 317,619,000 | 316,374,000 | 339,694,000 | 327,842,000 |
| Total loans | 241,257,000 | 251,410,000 | 249,594,000 | 253,711,000 |
| Allowance for loan losses | 2,671,000 | 3,036,000 | 2,925,000 | 2,982,000 |
| Securities available for sale | 34,472,000 | 33,113,000 | 37,837,000 | 44,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,692,000 | 252,145,000 | 274,911,000 | 262,876,000 |
| Interest-bearing deposits | 202,865,000 | 198,792,000 | 213,283,000 | 213,038,000 |
| Noninterest-bearing deposits | 49,827,000 | 53,353,000 | 61,628,000 | 49,838,000 |
| Equity capital | 34,181,000 | 33,669,000 | 34,240,000 | 34,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,330,000 | 6,739,000 | 10,073,000 | 13,512,000 |
| Interest expense | 441,000 | 871,000 | 1,298,000 | 1,732,000 |
| Net interest income | 2,889,000 | 5,868,000 | 8,775,000 | 11,780,000 |
| Noninterest income | -12,000 | 469,000 | 951,000 | 1,413,000 |
| Noninterest expense | 2,849,000 | 5,635,000 | 8,500,000 | 11,349,000 |
| Provision for loan losses | 145,000 | 500,000 | 500,000 | 750,000 |
| Pretax income | -117,000 | 259,000 | 783,000 | 1,151,000 |
| Income tax | 0 | 10,000 | 20,000 | 35,000 |
| Net income | -117,000 | 249,000 | 763,000 | 1,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,900,000 | 32,416,000 | 33,079,000 | 33,581,000 |
| Total capital | 34,571,000 | 35,374,000 | 36,004,000 | 36,563,000 |
| Risk-weighted assets | 225,688,000 | 236,550,000 | 235,948,000 | 243,297,000 |