Call reports 2009
SHORE COMMUNITY BANK — 2009
What SHORE COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 227,023,000 | 225,912,000 | 220,064,000 | 214,061,000 |
| Total loans | 155,500,000 | 148,386,000 | 143,887,000 | 138,707,000 |
| Allowance for loan losses | 2,124,000 | 2,325,000 | 1,879,000 | 2,056,000 |
| Securities available for sale | 36,729,000 | 46,036,000 | 40,296,000 | 53,778,000 |
| Securities held to maturity | 8,404,000 | 8,278,000 | 8,050,000 | 8,032,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,970,000 | 190,051,000 | 183,961,000 | 178,084,000 |
| Interest-bearing deposits | 170,188,000 | 165,864,000 | 160,439,000 | 156,561,000 |
| Noninterest-bearing deposits | 20,782,000 | 24,187,000 | 23,522,000 | 21,523,000 |
| Equity capital | 18,209,000 | 17,912,000 | 18,327,000 | 18,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,821,000 | 5,584,000 | 8,365,000 | 11,083,000 |
| Interest expense | 1,309,000 | 2,602,000 | 3,737,000 | 4,700,000 |
| Net interest income | 1,512,000 | 2,982,000 | 4,628,000 | 6,383,000 |
| Noninterest income | 145,000 | 286,000 | 444,000 | 604,000 |
| Noninterest expense | 1,356,000 | 2,786,000 | 4,211,000 | 5,665,000 |
| Provision for loan losses | 300,000 | 800,000 | 1,250,000 | 1,625,000 |
| Pretax income | 1,000 | -127,000 | -64,000 | 22,000 |
| Income tax | -25,000 | -102,000 | -102,000 | -94,000 |
| Net income | 26,000 | -25,000 | 38,000 | 116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,010,000 | 17,960,000 | 18,024,000 | 18,119,000 |
| Total capital | 20,071,000 | 19,920,000 | 19,859,000 | 19,972,000 |
| Risk-weighted assets | 164,779,000 | 155,784,000 | 148,603,000 | 148,045,000 |