Call reports 2013
FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2013
What FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 310,646,000 | 307,208,000 | 294,650,000 | 290,362,000 |
| Total loans | 239,608,000 | 237,274,000 | 239,070,000 | 241,392,000 |
| Allowance for loan losses | 2,536,000 | 2,412,000 | 2,524,000 | 2,496,000 |
| Securities available for sale | 19,425,000 | 21,349,000 | 21,416,000 | 17,488,000 |
| Securities held to maturity | 10,634,000 | 10,425,000 | 10,283,000 | 10,201,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,530,000 | 262,899,000 | 250,111,000 | 243,366,000 |
| Interest-bearing deposits | 261,194,000 | 257,713,000 | 244,818,000 | 238,027,000 |
| Noninterest-bearing deposits | 5,336,000 | 5,186,000 | 5,293,000 | 5,339,000 |
| Equity capital | 38,002,000 | 38,146,000 | 38,360,000 | 38,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,203,000 | 6,400,000 | 9,560,000 | 12,633,000 |
| Interest expense | 977,000 | 1,913,000 | 2,748,000 | 3,468,000 |
| Net interest income | 2,226,000 | 4,487,000 | 6,812,000 | 9,165,000 |
| Noninterest income | 129,000 | 272,000 | 412,000 | 502,000 |
| Noninterest expense | 1,632,000 | 3,268,000 | 4,977,000 | 6,894,000 |
| Provision for loan losses | 130,000 | 285,000 | 548,000 | 618,000 |
| Pretax income | 593,000 | 1,206,000 | 1,699,000 | 2,164,000 |
| Income tax | 208,000 | 423,000 | 590,000 | 683,000 |
| Net income | 385,000 | 783,000 | 1,109,000 | 1,481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,539,000 | 37,937,000 | 38,262,000 | 38,634,000 |
| Total capital | 39,906,000 | 40,291,000 | 40,614,000 | 40,948,000 |
| Risk-weighted assets | 188,935,000 | 187,874,000 | 187,570,000 | 184,498,000 |