Call reports 2017
FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2017
What FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 306,467,000 | 304,072,000 | 299,985,000 | 294,217,000 |
| Total loans | 244,964,000 | 242,268,000 | 244,341,000 | 243,800,000 |
| Allowance for loan losses | 2,382,000 | 2,459,000 | 2,455,000 | 2,446,000 |
| Securities available for sale | 14,064,000 | 13,580,000 | 18,417,000 | 19,054,000 |
| Securities held to maturity | 2,817,000 | 2,770,000 | 2,656,000 | 2,607,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,545,000 | 251,750,000 | 249,234,000 | 243,111,000 |
| Interest-bearing deposits | 246,230,000 | 243,165,000 | 240,518,000 | 233,929,000 |
| Noninterest-bearing deposits | 8,315,000 | 8,585,000 | 8,716,000 | 9,182,000 |
| Equity capital | 43,675,000 | 44,026,000 | 44,500,000 | 44,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,002,000 | 5,977,000 | 9,024,000 | 12,070,000 |
| Interest expense | 626,000 | 1,255,000 | 1,881,000 | 2,482,000 |
| Net interest income | 2,376,000 | 4,722,000 | 7,143,000 | 9,588,000 |
| Noninterest income | 134,000 | 230,000 | 376,000 | 492,000 |
| Noninterest expense | 1,873,000 | 3,717,000 | 5,569,000 | 7,628,000 |
| Provision for loan losses | 0 | 137,000 | 137,000 | 137,000 |
| Pretax income | 637,000 | 1,098,000 | 1,813,000 | 2,495,000 |
| Income tax | 228,000 | 365,000 | 603,000 | 995,000 |
| Net income | 409,000 | 733,000 | 1,210,000 | 1,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,650,000 | 43,974,000 | 44,451,000 | 44,741,000 |
| Total capital | 46,004,000 | 46,340,000 | 46,823,000 | 47,152,000 |
| Risk-weighted assets | 187,762,000 | 188,629,000 | 189,132,000 | 192,228,000 |