Call reports 2018
FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2018
What FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 299,662,000 | 300,780,000 | 299,607,000 | 302,439,000 |
| Total loans | 245,731,000 | 247,756,000 | 248,097,000 | 250,391,000 |
| Allowance for loan losses | 2,426,000 | 2,428,000 | 2,516,000 | 2,369,000 |
| Securities available for sale | 18,654,000 | 18,286,000 | 17,979,000 | 17,865,000 |
| Securities held to maturity | 2,535,000 | 2,495,000 | 2,401,000 | 2,356,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,127,000 | 244,759,000 | 247,219,000 | 249,279,000 |
| Interest-bearing deposits | 235,246,000 | 236,163,000 | 237,663,000 | 239,760,000 |
| Noninterest-bearing deposits | 8,881,000 | 8,596,000 | 9,556,000 | 9,519,000 |
| Equity capital | 45,154,000 | 45,721,000 | 46,078,000 | 46,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,055,000 | 6,208,000 | 9,456,000 | 12,717,000 |
| Interest expense | 588,000 | 1,224,000 | 1,916,000 | 2,644,000 |
| Net interest income | 2,467,000 | 4,984,000 | 7,540,000 | 10,073,000 |
| Noninterest income | 140,000 | 332,000 | 493,000 | 657,000 |
| Noninterest expense | 1,851,000 | 3,732,000 | 5,705,000 | 7,769,000 |
| Provision for loan losses | 0 | 0 | 145,000 | 189,000 |
| Pretax income | 756,000 | 1,584,000 | 2,183,000 | 2,772,000 |
| Income tax | 203,000 | 422,000 | 618,000 | 643,000 |
| Net income | 553,000 | 1,162,000 | 1,565,000 | 2,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,294,000 | 45,903,000 | 46,305,000 | 46,870,000 |
| Total capital | 47,680,000 | 48,309,000 | 48,717,000 | 49,244,000 |
| Risk-weighted assets | 190,309,000 | 192,094,000 | 192,434,000 | 194,521,000 |