Call reports 2019
FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2019
What FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 308,061,000 | 308,752,000 | 314,868,000 | 319,272,000 |
| Total loans | 251,101,000 | 251,541,000 | 253,658,000 | 252,237,000 |
| Allowance for loan losses | 2,385,000 | 2,405,000 | 2,413,000 | 2,462,000 |
| Securities available for sale | 17,840,000 | 17,240,000 | 15,719,000 | 13,636,000 |
| Securities held to maturity | 2,268,000 | 2,229,000 | 2,149,000 | 2,102,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,484,000 | 254,269,000 | 259,953,000 | 265,880,000 |
| Interest-bearing deposits | 245,175,000 | 244,633,000 | 248,971,000 | 255,603,000 |
| Noninterest-bearing deposits | 9,309,000 | 9,636,000 | 10,982,000 | 10,277,000 |
| Equity capital | 47,321,000 | 48,059,000 | 48,653,000 | 49,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,278,000 | 6,664,000 | 10,063,000 | 13,437,000 |
| Interest expense | 742,000 | 1,543,000 | 2,390,000 | 3,259,000 |
| Net interest income | 2,536,000 | 5,121,000 | 7,673,000 | 10,178,000 |
| Noninterest income | 143,000 | 311,000 | 475,000 | 622,000 |
| Noninterest expense | 1,929,000 | 3,828,000 | 5,756,000 | 7,918,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 110,000 |
| Pretax income | 700,000 | 1,554,000 | 2,342,000 | 2,772,000 |
| Income tax | 201,000 | 412,000 | 623,000 | 661,000 |
| Net income | 499,000 | 1,142,000 | 1,719,000 | 2,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,369,000 | 48,012,000 | 48,589,000 | 48,982,000 |
| Total capital | 49,759,000 | 50,423,000 | 51,008,000 | 51,422,000 |
| Risk-weighted assets | 195,307,000 | 195,255,000 | 196,415,000 | 194,773,000 |