Call reports 2005
SHORE COMMUNITY BANK — 2005
What SHORE COMMUNITY 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 | 132,700,000 | 151,583,000 | 161,082,000 | 164,151,000 |
| Total loans | 89,365,000 | 103,470,000 | 114,224,000 | 122,094,000 |
| Allowance for loan losses | 1,045,000 | 1,112,000 | 1,273,000 | 1,340,000 |
| Securities available for sale | 22,426,000 | 21,572,000 | 20,532,000 | 19,626,000 |
| Securities held to maturity | 9,896,000 | 10,643,000 | 11,653,000 | 12,365,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,157,000 | 132,312,000 | 135,857,000 | 138,728,000 |
| Interest-bearing deposits | 90,274,000 | 99,141,000 | 107,850,000 | 111,569,000 |
| Noninterest-bearing deposits | 23,883,000 | 33,171,000 | 28,007,000 | 27,159,000 |
| Equity capital | 8,594,000 | 9,090,000 | 15,125,000 | 15,253,000 |
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 | 1,727,000 | 3,660,000 | 5,883,000 | 8,333,000 |
| Interest expense | 526,000 | 1,170,000 | 1,992,000 | 2,943,000 |
| Net interest income | 1,201,000 | 2,490,000 | 3,891,000 | 5,390,000 |
| Noninterest income | 110,000 | 221,000 | 320,000 | 403,000 |
| Noninterest expense | 904,000 | 1,805,000 | 2,767,000 | 3,693,000 |
| Provision for loan losses | 120,000 | 240,000 | 390,000 | 580,000 |
| Pretax income | 287,000 | 666,000 | 1,054,000 | 1,520,000 |
| Income tax | 89,000 | 212,000 | 337,000 | 492,000 |
| Net income | 198,000 | 454,000 | 717,000 | 1,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,947,000 | 9,204,000 | 15,306,000 | 15,617,000 |
| Total capital | 9,992,000 | 10,316,000 | 16,579,000 | 16,957,000 |
| Risk-weighted assets | 95,129,000 | 109,288,000 | 118,868,000 | 126,355,000 |