Call reports 2012
SHORE COMMUNITY BANK — 2012
What SHORE COMMUNITY 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 | 204,604,000 | 206,420,000 | 212,011,000 | 223,936,000 |
| Total loans | 113,236,000 | 113,908,000 | 113,473,000 | 112,847,000 |
| Allowance for loan losses | 2,002,000 | 1,973,000 | 2,119,000 | 2,148,000 |
| Securities available for sale | 38,505,000 | 39,107,000 | 35,934,000 | 39,844,000 |
| Securities held to maturity | 25,192,000 | 26,982,000 | 26,719,000 | 20,741,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,036,000 | 167,375,000 | 172,827,000 | 184,508,000 |
| Interest-bearing deposits | 141,113,000 | 139,680,000 | 143,625,000 | 156,006,000 |
| Noninterest-bearing deposits | 24,923,000 | 27,695,000 | 29,201,000 | 28,503,000 |
| Equity capital | 20,787,000 | 21,105,000 | 21,381,000 | 21,579,000 |
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 | 2,287,000 | 4,501,000 | 6,672,000 | 8,763,000 |
| Interest expense | 596,000 | 1,174,000 | 1,753,000 | 2,332,000 |
| Net interest income | 1,691,000 | 3,327,000 | 4,919,000 | 6,431,000 |
| Noninterest income | 106,000 | 265,000 | 545,000 | 651,000 |
| Noninterest expense | 1,422,000 | 2,771,000 | 4,124,000 | 5,520,000 |
| Provision for loan losses | 150,000 | 300,000 | 475,000 | 725,000 |
| Pretax income | 240,000 | 536,000 | 880,000 | 1,049,000 |
| Income tax | 26,000 | 74,000 | 141,000 | 132,000 |
| Net income | 214,000 | 462,000 | 739,000 | 917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,837,000 | 20,104,000 | 20,466,000 | 20,652,000 |
| Total capital | 21,340,000 | 21,623,000 | 21,940,000 | 22,173,000 |
| Risk-weighted assets | 119,780,000 | 121,086,000 | 117,302,000 | 121,071,000 |