Call reports 2020
FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2020
What FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 318,277,000 | 324,375,000 | 325,537,000 | 327,969,000 |
| Total loans | 249,234,000 | 247,243,000 | 245,376,000 | 246,259,000 |
| Allowance for loan losses | 2,539,000 | 2,532,000 | 2,565,000 | 2,560,000 |
| Securities available for sale | 11,533,000 | 9,366,000 | 8,135,000 | 10,299,000 |
| Securities held to maturity | 1,019,000 | 963,000 | 867,000 | 787,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,384,000 | 270,388,000 | 271,132,000 | 273,184,000 |
| Interest-bearing deposits | 253,602,000 | 257,289,000 | 257,062,000 | 258,286,000 |
| Noninterest-bearing deposits | 10,782,000 | 13,099,000 | 14,070,000 | 14,898,000 |
| Equity capital | 49,581,000 | 49,766,000 | 50,120,000 | 50,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,340,000 | 6,085,000 | 9,068,000 | 12,094,000 |
| Interest expense | 843,000 | 1,620,000 | 2,314,000 | 2,981,000 |
| Net interest income | 2,497,000 | 4,465,000 | 6,754,000 | 9,113,000 |
| Noninterest income | 152,000 | 282,000 | 445,000 | 604,000 |
| Noninterest expense | 1,904,000 | 3,801,000 | 5,763,000 | 7,962,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 695,000 | 900,000 | 1,381,000 | 1,716,000 |
| Income tax | 202,000 | 239,000 | 367,000 | 415,000 |
| Net income | 493,000 | 661,000 | 1,014,000 | 1,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,474,000 | 49,638,000 | 50,009,000 | 50,283,000 |
| Total capital | 51,901,000 | 52,081,000 | 52,450,000 | 52,771,000 |
| Risk-weighted assets | 193,956,000 | 195,367,000 | 195,197,000 | 198,982,000 |