Call reports 2015
OCEAN CITY HOME BANK — 2015
What OCEAN CITY HOME 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 | 1,026,078,000 | 1,015,223,000 | 1,064,679,000 | 1,040,663,000 |
| Total loans | 773,645,000 | 784,181,000 | 788,665,000 | 787,138,000 |
| Allowance for loan losses | 3,384,000 | 3,392,000 | 3,116,000 | 3,190,000 |
| Securities available for sale | 112,698,000 | 113,549,000 | 106,245,000 | 110,939,000 |
| Securities held to maturity | 705,000 | 616,000 | 610,000 | 783,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 799,033,000 | 786,582,000 | 839,338,000 | 820,793,000 |
| Interest-bearing deposits | 607,809,000 | 590,394,000 | 641,491,000 | 625,410,000 |
| Noninterest-bearing deposits | 191,224,000 | 196,188,000 | 197,847,000 | 195,383,000 |
| Equity capital | 104,703,000 | 105,521,000 | 102,013,000 | 102,486,000 |
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 | 8,795,000 | 17,567,000 | 26,347,000 | 35,179,000 |
| Interest expense | 1,570,000 | 3,153,000 | 4,774,000 | 6,413,000 |
| Net interest income | 7,225,000 | 14,414,000 | 21,573,000 | 28,766,000 |
| Noninterest income | 1,021,000 | 2,127,000 | 3,227,000 | 4,294,000 |
| Noninterest expense | 5,394,000 | 10,705,000 | 16,121,000 | 21,643,000 |
| Provision for loan losses | 153,000 | 331,000 | 496,000 | 688,000 |
| Pretax income | 2,699,000 | 5,505,000 | 8,183,000 | 10,729,000 |
| Income tax | 885,000 | 1,842,000 | 2,749,000 | 3,556,000 |
| Net income | 1,814,000 | 3,663,000 | 5,434,000 | 7,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,625,000 | 101,702,000 | 97,662,000 | 98,711,000 |
| Total capital | 104,019,000 | 105,105,000 | 100,795,000 | 101,918,000 |
| Risk-weighted assets | 526,160,000 | 532,783,000 | 553,919,000 | 550,301,000 |