Call reports 2005
BANK OF OCEAN CITY — 2005
What BANK OF OCEAN CITY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 125,539,000 | 124,223,000 | 125,816,000 | 128,937,000 |
| Total loans | 103,834,000 | 107,664,000 | 105,952,000 | 111,361,000 |
| Allowance for loan losses | 748,000 | 823,000 | 847,000 | 844,000 |
| Securities available for sale | 1,326,000 | 1,382,000 | 1,384,000 | 1,508,000 |
| Securities held to maturity | 10,949,000 | 7,949,000 | 8,025,000 | 8,024,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,659,000 | 105,983,000 | 108,130,000 | 110,529,000 |
| Interest-bearing deposits | 71,019,000 | 71,636,000 | 71,847,000 | 76,131,000 |
| Noninterest-bearing deposits | 31,640,000 | 34,347,000 | 36,283,000 | 34,398,000 |
| Equity capital | 16,094,000 | 16,558,000 | 17,019,000 | 17,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,624,000 | 3,432,000 | 5,279,000 | 7,240,000 |
| Interest expense | 216,000 | 499,000 | 755,000 | 1,110,000 |
| Net interest income | 1,408,000 | 2,933,000 | 4,524,000 | 6,130,000 |
| Noninterest income | 158,000 | 355,000 | 583,000 | 775,000 |
| Noninterest expense | 831,000 | 1,580,000 | 2,412,000 | 3,375,000 |
| Provision for loan losses | 25,000 | 100,000 | 120,000 | 147,000 |
| Pretax income | 710,000 | 1,608,000 | 2,575,000 | 3,383,000 |
| Income tax | 259,000 | 603,000 | 966,000 | 1,293,000 |
| Net income | 451,000 | 1,005,000 | 1,609,000 | 2,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,281,000 | 15,710,000 | 16,170,000 | 16,334,000 |
| Total capital | 16,625,000 | 17,154,000 | 17,639,000 | 17,856,000 |
| Risk-weighted assets | 103,506,000 | 106,433,000 | 106,446,000 | 111,592,000 |
Machine access — free, no API key
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