Call reports 2025
BANK OF OCEAN CITY — 2025
What BANK OF OCEAN CITY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 657,883,000 | 695,580,000 | 724,368,000 | 667,847,000 |
| Total loans | 472,868,000 | 492,754,000 | 486,513,000 | 496,066,000 |
| Allowance for loan losses | 2,956,000 | 3,058,000 | 3,241,000 | 3,457,000 |
| Securities available for sale | 12,662,000 | 14,220,000 | 20,373,000 | 19,671,000 |
| Securities held to maturity | 112,018,000 | 102,362,000 | 107,322,000 | 104,554,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 587,953,000 | 624,583,000 | 651,040,000 | 592,567,000 |
| Interest-bearing deposits | 421,681,000 | 430,249,000 | 432,016,000 | 409,695,000 |
| Noninterest-bearing deposits | 166,272,000 | 194,334,000 | 219,024,000 | 182,872,000 |
| Equity capital | 67,333,000 | 68,960,000 | 71,106,000 | 72,555,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,380,000 | 15,287,000 | 24,071,000 | 32,553,000 |
| Interest expense | 2,817,000 | 5,715,000 | 8,538,000 | 11,145,000 |
| Net interest income | 4,563,000 | 9,572,000 | 15,533,000 | 21,408,000 |
| Noninterest income | 308,000 | 670,000 | 1,028,000 | 1,357,000 |
| Noninterest expense | 2,676,000 | 5,305,000 | 8,005,000 | 11,013,000 |
| Provision for loan losses | 148,000 | 253,000 | 436,000 | 654,000 |
| Pretax income | 2,052,000 | 4,667,000 | 8,073,000 | 11,037,000 |
| Income tax | 499,000 | 1,153,000 | 1,988,000 | 2,729,000 |
| Net income | 1,553,000 | 3,514,000 | 6,085,000 | 8,308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,202,000 | 70,781,000 | 72,605,000 | 74,107,000 |
| Total capital | 72,263,000 | 73,965,000 | 76,002,000 | 77,735,000 |
| Risk-weighted assets | 486,680,000 | 511,917,000 | 502,400,000 | 512,985,000 |