Call reports 2016
FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2016
What FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 305,257,000 | 305,343,000 | 305,102,000 | 304,458,000 |
| Total loans | 247,281,000 | 247,252,000 | 244,005,000 | 245,518,000 |
| Allowance for loan losses | 2,438,000 | 2,427,000 | 2,409,000 | 2,403,000 |
| Securities available for sale | 9,236,000 | 12,088,000 | 13,853,000 | 14,279,000 |
| Securities held to maturity | 3,282,000 | 2,205,000 | 2,032,000 | 2,911,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,626,000 | 252,336,000 | 251,768,000 | 250,768,000 |
| Interest-bearing deposits | 245,562,000 | 245,295,000 | 243,805,000 | 242,399,000 |
| Noninterest-bearing deposits | 7,064,000 | 7,041,000 | 7,963,000 | 8,369,000 |
| Equity capital | 42,342,000 | 42,771,000 | 43,124,000 | 43,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,065,000 | 6,106,000 | 9,139,000 | 12,166,000 |
| Interest expense | 669,000 | 1,324,000 | 1,982,000 | 2,633,000 |
| Net interest income | 2,396,000 | 4,782,000 | 7,157,000 | 9,533,000 |
| Noninterest income | 116,000 | 253,000 | 377,000 | 538,000 |
| Noninterest expense | 1,902,000 | 3,806,000 | 5,683,000 | 7,706,000 |
| Provision for loan losses | 0 | 36,000 | 71,000 | 71,000 |
| Pretax income | 610,000 | 1,193,000 | 1,780,000 | 2,294,000 |
| Income tax | 193,000 | 390,000 | 580,000 | 763,000 |
| Net income | 417,000 | 803,000 | 1,200,000 | 1,531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,126,000 | 42,513,000 | 42,909,000 | 43,241,000 |
| Total capital | 44,476,000 | 44,866,000 | 45,258,000 | 45,610,000 |
| Risk-weighted assets | 187,713,000 | 187,869,000 | 187,517,000 | 189,030,000 |