Call reports 2006
SHOREBANK — 2006
What SHOREBANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,788,216,000 | 1,886,647,000 | 1,897,101,000 | 1,989,977,000 |
| Total loans | 1,050,554,000 | 1,108,971,000 | 1,191,895,000 | 1,268,736,000 |
| Allowance for loan losses | 13,236,000 | 13,232,000 | 13,296,000 | 13,571,000 |
| Securities available for sale | 623,747,000 | 653,198,000 | 584,212,000 | 574,670,000 |
| Securities held to maturity | 30,932,000 | 32,137,000 | 32,236,000 | 28,117,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,138,906,000 | 1,166,817,000 | 1,199,315,000 | 1,309,114,000 |
| Interest-bearing deposits | 1,102,913,000 | 1,126,643,000 | 1,164,652,000 | 1,262,476,000 |
| Noninterest-bearing deposits | 35,993,000 | 40,174,000 | 34,663,000 | 46,638,000 |
| Equity capital | 121,076,000 | 123,878,000 | 131,505,000 | 142,995,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 25,717,000 | 54,269,000 | 83,985,000 | 115,738,000 |
| Interest expense | 13,611,000 | 29,359,000 | 46,900,000 | 64,998,000 |
| Net interest income | 12,106,000 | 24,910,000 | 37,085,000 | 50,740,000 |
| Noninterest income | 1,545,000 | 3,365,000 | 5,264,000 | 7,530,000 |
| Noninterest expense | 9,362,000 | 18,750,000 | 27,330,000 | 36,835,000 |
| Provision for loan losses | 975,000 | 1,725,000 | 2,325,000 | 3,180,000 |
| Pretax income | 3,206,000 | 7,849,000 | 10,495,000 | 15,893,000 |
| Income tax | 993,000 | 2,352,000 | 2,994,000 | 4,774,000 |
| Net income | 2,213,000 | 5,497,000 | 7,501,000 | 11,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 121,141,000 | 127,365,000 | 127,430,000 | 133,403,000 |
| Total capital | 134,377,000 | 140,597,000 | 140,726,000 | 146,974,000 |
| Risk-weighted assets | 1,211,369,000 | 1,276,026,000 | 1,309,425,000 | 1,353,624,000 |