Call reports 2015
FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2015
What FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 301,596,000 | 303,192,000 | 301,295,000 | 304,455,000 |
| Total loans | 247,361,000 | 249,787,000 | 251,182,000 | 250,633,000 |
| Allowance for loan losses | 2,469,000 | 2,483,000 | 2,456,000 | 2,477,000 |
| Securities available for sale | 10,308,000 | 10,876,000 | 12,168,000 | 10,814,000 |
| Securities held to maturity | 5,707,000 | 4,609,000 | 3,470,000 | 3,396,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,479,000 | 251,863,000 | 249,486,000 | 252,145,000 |
| Interest-bearing deposits | 244,746,000 | 245,103,000 | 243,036,000 | 245,137,000 |
| Noninterest-bearing deposits | 5,733,000 | 6,760,000 | 6,450,000 | 7,008,000 |
| Equity capital | 40,955,000 | 41,048,000 | 41,512,000 | 41,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,064,000 | 6,100,000 | 9,162,000 | 12,250,000 |
| Interest expense | 768,000 | 1,520,000 | 2,206,000 | 2,893,000 |
| Net interest income | 2,296,000 | 4,580,000 | 6,956,000 | 9,357,000 |
| Noninterest income | 144,000 | 282,000 | 409,000 | 544,000 |
| Noninterest expense | 1,842,000 | 3,671,000 | 5,577,000 | 7,580,000 |
| Provision for loan losses | 0 | 212,000 | 225,000 | 304,000 |
| Pretax income | 598,000 | 979,000 | 1,563,000 | 2,017,000 |
| Income tax | 214,000 | 412,000 | 578,000 | 640,000 |
| Net income | 384,000 | 567,000 | 985,000 | 1,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,717,000 | 40,900,000 | 41,318,000 | 41,710,000 |
| Total capital | 43,034,000 | 43,285,000 | 43,705,000 | 44,101,000 |
| Risk-weighted assets | 184,777,000 | 190,304,000 | 190,514,000 | 190,930,000 |