Call reports 2006
SHORE COMMUNITY BANK — 2006
What SHORE COMMUNITY 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 | 168,606,000 | 181,382,000 | 195,504,000 | 195,021,000 |
| Total loans | 129,910,000 | 136,674,000 | 141,593,000 | 145,191,000 |
| Allowance for loan losses | 1,482,000 | 1,563,000 | 1,598,000 | 1,638,000 |
| Securities available for sale | 19,168,000 | 18,544,000 | 22,486,000 | 22,835,000 |
| Securities held to maturity | 12,683,000 | 13,217,000 | 14,022,000 | 13,985,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,958,000 | 155,349,000 | 168,493,000 | 167,679,000 |
| Interest-bearing deposits | 118,232,000 | 129,716,000 | 139,593,000 | 142,186,000 |
| Noninterest-bearing deposits | 23,726,000 | 25,633,000 | 28,900,000 | 25,493,000 |
| Equity capital | 15,497,000 | 15,692,000 | 16,465,000 | 16,915,000 |
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 | 2,492,000 | 5,234,000 | 8,234,000 | 11,289,000 |
| Interest expense | 1,026,000 | 2,278,000 | 3,820,000 | 5,457,000 |
| Net interest income | 1,466,000 | 2,956,000 | 4,414,000 | 5,832,000 |
| Noninterest income | 96,000 | 217,000 | 317,000 | 418,000 |
| Noninterest expense | 1,028,000 | 2,058,000 | 3,124,000 | 4,189,000 |
| Provision for loan losses | 140,000 | 280,000 | 360,000 | 395,000 |
| Pretax income | 394,000 | 835,000 | 1,247,000 | 1,666,000 |
| Income tax | 124,000 | 265,000 | 393,000 | 523,000 |
| Net income | 270,000 | 570,000 | 854,000 | 1,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,887,000 | 16,218,000 | 16,780,000 | 17,165,000 |
| Total capital | 17,369,000 | 17,781,000 | 18,377,000 | 18,803,000 |
| Risk-weighted assets | 133,583,000 | 141,838,000 | 148,673,000 | 151,482,000 |