Call reports 2014
FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2014
What FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 290,425,000 | 289,387,000 | 290,476,000 | 295,614,000 |
| Total loans | 243,515,000 | 244,596,000 | 247,571,000 | 248,296,000 |
| Allowance for loan losses | 2,614,000 | 2,705,000 | 2,585,000 | 2,536,000 |
| Securities available for sale | 17,310,000 | 12,883,000 | 10,744,000 | 9,399,000 |
| Securities held to maturity | 9,114,000 | 9,031,000 | 8,522,000 | 5,829,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,867,000 | 241,335,000 | 241,932,000 | 244,758,000 |
| Interest-bearing deposits | 237,813,000 | 236,432,000 | 236,290,000 | 239,457,000 |
| Noninterest-bearing deposits | 5,054,000 | 4,903,000 | 5,642,000 | 5,301,000 |
| Equity capital | 39,391,000 | 39,890,000 | 40,372,000 | 40,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,083,000 | 6,191,000 | 9,257,000 | 12,314,000 |
| Interest expense | 694,000 | 1,398,000 | 2,135,000 | 2,900,000 |
| Net interest income | 2,389,000 | 4,793,000 | 7,122,000 | 9,414,000 |
| Noninterest income | 183,000 | 293,000 | 406,000 | 513,000 |
| Noninterest expense | 1,719,000 | 3,445,000 | 5,242,000 | 7,246,000 |
| Provision for loan losses | 0 | 120,000 | 120,000 | 120,000 |
| Pretax income | 853,000 | 1,614,000 | 2,259,000 | 2,653,000 |
| Income tax | 273,000 | 511,000 | 713,000 | 954,000 |
| Net income | 580,000 | 1,103,000 | 1,546,000 | 1,699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,214,000 | 39,736,000 | 40,178,000 | 40,333,000 |
| Total capital | 41,517,000 | 42,065,000 | 42,511,000 | 42,713,000 |
| Risk-weighted assets | 183,327,000 | 185,326,000 | 185,686,000 | 189,736,000 |