Call reports 2005
SHOREBANK — 2005
What SHOREBANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,507,460,000 | 1,606,900,000 | 1,736,936,000 | 1,681,045,000 |
| Total loans | 948,896,000 | 971,854,000 | 1,003,216,000 | 1,014,960,000 |
| Allowance for loan losses | 10,664,000 | 10,882,000 | 12,128,000 | 11,866,000 |
| Securities available for sale | 442,727,000 | 523,544,000 | 620,207,000 | 542,224,000 |
| Securities held to maturity | 31,114,000 | 31,094,000 | 31,158,000 | 30,783,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,021,282,000 | 1,054,998,000 | 1,158,703,000 | 1,125,698,000 |
| Interest-bearing deposits | 986,698,000 | 1,018,126,000 | 1,109,405,000 | 1,086,508,000 |
| Noninterest-bearing deposits | 34,584,000 | 36,872,000 | 49,298,000 | 39,190,000 |
| Equity capital | 103,723,000 | 119,017,000 | 124,016,000 | 124,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 21,582,000 | 44,365,000 | 71,109,000 | 97,052,000 |
| Interest expense | 9,048,000 | 19,318,000 | 32,135,000 | 44,988,000 |
| Net interest income | 12,534,000 | 25,047,000 | 38,974,000 | 52,064,000 |
| Noninterest income | 1,619,000 | 3,274,000 | 6,128,000 | 7,482,000 |
| Noninterest expense | 8,327,000 | 16,829,000 | 27,415,000 | 35,456,000 |
| Provision for loan losses | 1,125,000 | 2,250,000 | 3,408,000 | 3,917,000 |
| Pretax income | 4,710,000 | 9,266,000 | 14,014,000 | 20,511,000 |
| Income tax | 1,460,000 | 2,872,000 | 4,281,000 | 6,419,000 |
| Net income | 3,250,000 | 6,394,000 | 9,733,000 | 14,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,584,000 | 109,717,000 | 118,207,000 | 120,722,000 |
| Total capital | 109,248,000 | 120,599,000 | 130,335,000 | 132,588,000 |
| Risk-weighted assets | 1,055,453,000 | 1,101,489,000 | 1,131,096,000 | 1,141,671,000 |