Call reports 2009
BANK OF OCEAN CITY — 2009
What BANK OF OCEAN CITY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 145,667,000 | 149,355,000 | 153,745,000 | 144,532,000 |
| Total loans | 120,608,000 | 122,323,000 | 115,745,000 | 116,451,000 |
| Allowance for loan losses | 1,485,000 | 669,000 | 790,000 | 1,245,000 |
| Securities available for sale | 188,000 | 334,000 | 540,000 | 577,000 |
| Securities held to maturity | 5,886,000 | 5,885,000 | 11,883,000 | 11,782,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,432,000 | 129,119,000 | 132,794,000 | 123,445,000 |
| Interest-bearing deposits | 92,388,000 | 93,772,000 | 92,620,000 | 91,033,000 |
| Noninterest-bearing deposits | 29,044,000 | 35,347,000 | 40,174,000 | 32,412,000 |
| Equity capital | 19,447,000 | 19,554,000 | 20,037,000 | 19,980,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,010,000 | 4,081,000 | 6,105,000 | 8,204,000 |
| Interest expense | 452,000 | 848,000 | 1,165,000 | 1,460,000 |
| Net interest income | 1,558,000 | 3,233,000 | 4,940,000 | 6,744,000 |
| Noninterest income | 251,000 | 538,000 | 877,000 | 1,184,000 |
| Noninterest expense | 1,243,000 | 2,548,000 | 3,801,000 | 5,176,000 |
| Provision for loan losses | 0 | 409,000 | 628,000 | 928,000 |
| Pretax income | 566,000 | 814,000 | 1,388,000 | 1,824,000 |
| Income tax | 229,000 | 315,000 | 531,000 | 700,000 |
| Net income | 337,000 | 499,000 | 857,000 | 1,124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,334,000 | 19,353,000 | 19,710,000 | 19,631,000 |
| Total capital | 20,903,000 | 20,172,000 | 20,743,000 | 21,135,000 |
| Risk-weighted assets | 124,557,000 | 126,122,000 | 114,637,000 | 113,337,000 |
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