Call reports 2016
OCEAN CITY HOME BANK — 2016
What OCEAN CITY HOME BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Total assets | 1,049,505,000 | 1,040,252,000 | 1,094,332,000 |
| Total loans | 796,004,000 | 794,464,000 | 796,252,000 |
| Allowance for loan losses | 3,220,000 | 3,245,000 | 3,307,000 |
| Securities available for sale | 105,861,000 | 105,963,000 | 99,541,000 |
| Securities held to maturity | 578,000 | 574,000 | 571,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 827,975,000 | 817,290,000 | 869,286,000 |
| Interest-bearing deposits | 630,357,000 | 612,666,000 | 662,979,000 |
| Noninterest-bearing deposits | 197,618,000 | 204,624,000 | 206,307,000 |
| Equity capital | 103,876,000 | 105,111,000 | 105,884,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Interest income | 8,850,000 | 17,677,000 | 26,437,000 |
| Interest expense | 1,593,000 | 3,084,000 | 4,592,000 |
| Net interest income | 7,257,000 | 14,593,000 | 21,845,000 |
| Noninterest income | 984,000 | 2,017,000 | 3,044,000 |
| Noninterest expense | 5,450,000 | 10,993,000 | 16,642,000 |
| Provision for loan losses | 152,000 | 313,000 | 463,000 |
| Pretax income | 2,639,000 | 5,341,000 | 7,821,000 |
| Income tax | 880,000 | 1,801,000 | 2,589,000 |
| Net income | 1,759,000 | 3,540,000 | 5,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Tier 1 capital | 99,567,000 | 100,549,000 | 101,475,000 |
| Total capital | 102,804,000 | 103,794,000 | 104,782,000 |
| Risk-weighted assets | 549,978,000 | 546,524,000 | 544,765,000 |