Call reports 2013
SHORE COMMUNITY BANK — 2013
What SHORE COMMUNITY 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 | 226,103,000 | 223,269,000 | 226,290,000 | 230,169,000 |
| Total loans | 110,136,000 | 111,031,000 | 108,585,000 | 109,791,000 |
| Allowance for loan losses | 2,198,000 | 2,254,000 | 2,199,000 | 2,242,000 |
| Securities available for sale | 45,591,000 | 44,695,000 | 43,460,000 | 44,699,000 |
| Securities held to maturity | 20,603,000 | 20,441,000 | 19,936,000 | 19,520,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,741,000 | 191,833,000 | 195,014,000 | 198,225,000 |
| Interest-bearing deposits | 153,041,000 | 153,409,000 | 155,808,000 | 158,419,000 |
| Noninterest-bearing deposits | 33,700,000 | 38,423,000 | 39,207,000 | 39,806,000 |
| Equity capital | 21,640,000 | 21,525,000 | 21,468,000 | 22,045,000 |
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 | 2,013,000 | 4,005,000 | 6,001,000 | 8,102,000 |
| Interest expense | 557,000 | 1,092,000 | 1,548,000 | 1,990,000 |
| Net interest income | 1,456,000 | 2,913,000 | 4,453,000 | 6,112,000 |
| Noninterest income | 161,000 | 556,000 | 745,000 | 1,387,000 |
| Noninterest expense | 1,417,000 | 2,917,000 | 4,348,000 | 5,758,000 |
| Provision for loan losses | 75,000 | 225,000 | 275,000 | 275,000 |
| Pretax income | 125,000 | 327,000 | 575,000 | 1,466,000 |
| Income tax | -29,000 | -25,000 | -1,000 | 270,000 |
| Net income | 154,000 | 352,000 | 576,000 | 1,196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,814,000 | 21,023,000 | 21,247,000 | 21,884,000 |
| Total capital | 22,339,000 | 22,544,000 | 22,762,000 | 23,411,000 |
| Risk-weighted assets | 121,226,000 | 120,955,000 | 120,544,000 | 121,474,000 |