Call reports 2013
OCEAN CITY HOME BANK — 2013
What OCEAN CITY HOME 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 | 1,046,470,000 | 1,024,771,000 | 1,036,536,000 | 1,013,252,000 |
| Total loans | 713,005,000 | 722,644,000 | 731,438,000 | 748,583,000 |
| Allowance for loan losses | 3,669,000 | 3,719,000 | 3,820,000 | 3,781,000 |
| Securities available for sale | 116,558,000 | 121,974,000 | 119,765,000 | 121,859,000 |
| Securities held to maturity | 8,520,000 | 8,517,000 | 6,586,000 | 2,778,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 817,550,000 | 796,657,000 | 810,591,000 | 788,154,000 |
| Interest-bearing deposits | 708,962,000 | 687,487,000 | 700,726,000 | 687,582,000 |
| Noninterest-bearing deposits | 108,588,000 | 109,170,000 | 109,865,000 | 100,572,000 |
| Equity capital | 105,474,000 | 104,350,000 | 102,781,000 | 103,232,000 |
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 | 8,689,000 | 17,341,000 | 25,981,000 | 34,807,000 |
| Interest expense | 1,957,000 | 3,831,000 | 5,677,000 | 7,481,000 |
| Net interest income | 6,732,000 | 13,510,000 | 20,304,000 | 27,326,000 |
| Noninterest income | 1,074,000 | 2,177,000 | 3,285,000 | 4,362,000 |
| Noninterest expense | 5,423,000 | 10,813,000 | 16,179,000 | 21,700,000 |
| Provision for loan losses | 202,000 | 394,000 | 580,000 | 757,000 |
| Pretax income | 2,181,000 | 4,480,000 | 6,830,000 | 9,231,000 |
| Income tax | 821,000 | 1,574,000 | 2,380,000 | 3,196,000 |
| Net income | 1,360,000 | 2,906,000 | 4,450,000 | 6,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,912,000 | 100,680,000 | 99,447,000 | 100,396,000 |
| Total capital | 103,587,000 | 104,406,000 | 103,275,000 | 104,187,000 |
| Risk-weighted assets | 505,270,000 | 513,687,000 | 515,995,000 | 527,026,000 |