Call reports 2015
SHORE COMMUNITY BANK — 2015
What SHORE COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 219,964,000 | 232,602,000 | 239,364,000 | 239,290,000 |
| Total loans | 150,882,000 | 154,727,000 | 162,172,000 | 163,714,000 |
| Allowance for loan losses | 2,539,000 | 2,523,000 | 2,622,000 | 2,625,000 |
| Securities available for sale | 29,704,000 | 23,704,000 | 27,609,000 | 27,604,000 |
| Securities held to maturity | 15,126,000 | 14,568,000 | 13,297,000 | 13,634,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,545,000 | 198,828,000 | 205,237,000 | 204,789,000 |
| Interest-bearing deposits | 147,899,000 | 158,855,000 | 161,434,000 | 164,973,000 |
| Noninterest-bearing deposits | 38,647,000 | 39,973,000 | 43,804,000 | 39,816,000 |
| Equity capital | 23,706,000 | 23,948,000 | 24,280,000 | 24,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,088,000 | 4,281,000 | 6,511,000 | 8,964,000 |
| Interest expense | 345,000 | 718,000 | 1,126,000 | 1,546,000 |
| Net interest income | 1,743,000 | 3,563,000 | 5,385,000 | 7,418,000 |
| Noninterest income | 189,000 | 415,000 | 606,000 | 827,000 |
| Noninterest expense | 1,481,000 | 2,942,000 | 4,443,000 | 5,995,000 |
| Provision for loan losses | 150,000 | 300,000 | 400,000 | 425,000 |
| Pretax income | 301,000 | 736,000 | 1,148,000 | 1,825,000 |
| Income tax | 66,000 | 186,000 | 298,000 | 523,000 |
| Net income | 235,000 | 550,000 | 850,000 | 1,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,182,000 | 23,494,000 | 23,624,000 | 24,277,000 |
| Total capital | 25,131,000 | 25,572,000 | 25,843,000 | 26,444,000 |
| Risk-weighted assets | 155,341,000 | 165,692,000 | 176,996,000 | 172,810,000 |