Call reports 2012
FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2012
What FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 318,517,000 | 313,351,000 | 313,213,000 | 310,526,000 |
| Total loans | 248,231,000 | 247,254,000 | 245,108,000 | 240,771,000 |
| Allowance for loan losses | 2,493,000 | 2,647,000 | 2,565,000 | 2,477,000 |
| Securities available for sale | 24,957,000 | 22,255,000 | 20,437,000 | 21,115,000 |
| Securities held to maturity | 1,640,000 | 265,000 | 7,097,000 | 7,861,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,069,000 | 270,459,000 | 269,771,000 | 266,602,000 |
| Interest-bearing deposits | 268,608,000 | 265,718,000 | 260,362,000 | 261,676,000 |
| Noninterest-bearing deposits | 7,461,000 | 4,741,000 | 9,409,000 | 4,926,000 |
| Equity capital | 36,330,000 | 36,772,000 | 37,324,000 | 37,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,622,000 | 7,153,000 | 10,555,000 | 13,823,000 |
| Interest expense | 1,209,000 | 2,339,000 | 3,430,000 | 4,468,000 |
| Net interest income | 2,413,000 | 4,814,000 | 7,125,000 | 9,355,000 |
| Noninterest income | 159,000 | 276,000 | 382,000 | 523,000 |
| Noninterest expense | 1,630,000 | 3,245,000 | 4,822,000 | 6,591,000 |
| Provision for loan losses | 100,000 | 400,000 | 400,000 | 400,000 |
| Pretax income | 842,000 | 1,445,000 | 2,285,000 | 2,790,000 |
| Income tax | 309,000 | 520,000 | 825,000 | 1,029,000 |
| Net income | 533,000 | 925,000 | 1,460,000 | 1,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,875,000 | 36,265,000 | 36,795,000 | 37,152,000 |
| Total capital | 38,343,000 | 38,596,000 | 39,147,000 | 39,541,000 |
| Risk-weighted assets | 197,357,000 | 190,241,000 | 187,166,000 | 190,924,000 |