Call reports 2012
OCEAN CITY HOME BANK — 2012
What OCEAN CITY HOME 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 | 994,046,000 | 1,018,275,000 | 1,053,580,000 | 1,037,878,000 |
| Total loans | 718,429,000 | 705,058,000 | 694,948,000 | 707,430,000 |
| Allowance for loan losses | 3,406,000 | 3,307,000 | 3,313,000 | 3,532,000 |
| Securities available for sale | 65,545,000 | 82,960,000 | 83,433,000 | 102,413,000 |
| Securities held to maturity | 4,682,000 | 4,640,000 | 6,040,000 | 9,785,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 769,152,000 | 792,373,000 | 826,343,000 | 809,818,000 |
| Interest-bearing deposits | 683,054,000 | 697,922,000 | 731,114,000 | 697,394,000 |
| Noninterest-bearing deposits | 86,098,000 | 94,451,000 | 95,229,000 | 112,424,000 |
| Equity capital | 102,347,000 | 103,417,000 | 104,352,000 | 104,975,000 |
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 | 9,546,000 | 18,894,000 | 27,918,000 | 36,619,000 |
| Interest expense | 2,439,000 | 4,767,000 | 7,047,000 | 9,064,000 |
| Net interest income | 7,107,000 | 14,127,000 | 20,871,000 | 27,555,000 |
| Noninterest income | 884,000 | 1,820,000 | 2,777,000 | 3,858,000 |
| Noninterest expense | 5,355,000 | 10,699,000 | 16,120,000 | 21,417,000 |
| Provision for loan losses | 173,000 | 426,000 | 574,000 | 893,000 |
| Pretax income | 2,463,000 | 4,822,000 | 7,004,000 | 9,153,000 |
| Income tax | 946,000 | 1,850,000 | 2,681,000 | 3,511,000 |
| Net income | 1,517,000 | 2,972,000 | 4,323,000 | 5,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,567,000 | 97,413,000 | 98,693,000 | 99,341,000 |
| Total capital | 99,979,000 | 100,725,000 | 102,011,000 | 102,878,000 |
| Risk-weighted assets | 500,788,000 | 499,657,000 | 485,950,000 | 498,725,000 |