Call reports 2021
FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2021
What FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 334,016,000 | 341,456,000 | 342,750,000 | 349,225,000 |
| Total loans | 245,948,000 | 241,777,000 | 238,199,000 | 244,845,000 |
| Allowance for loan losses | 2,566,000 | 2,585,000 | 2,592,000 | 2,598,000 |
| Securities available for sale | 12,744,000 | 14,536,000 | 14,706,000 | 16,319,000 |
| Securities held to maturity | 689,000 | 638,000 | 536,000 | 1,504,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,882,000 | 289,951,000 | 291,011,000 | 297,060,000 |
| Interest-bearing deposits | 266,428,000 | 271,997,000 | 271,768,000 | 275,020,000 |
| Noninterest-bearing deposits | 16,454,000 | 17,954,000 | 19,243,000 | 22,040,000 |
| Equity capital | 50,720,000 | 51,252,000 | 51,462,000 | 51,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,964,000 | 5,930,000 | 8,771,000 | 11,639,000 |
| Interest expense | 621,000 | 1,201,000 | 1,764,000 | 2,297,000 |
| Net interest income | 2,343,000 | 4,729,000 | 7,007,000 | 9,342,000 |
| Noninterest income | 157,000 | 309,000 | 464,000 | 675,000 |
| Noninterest expense | 1,835,000 | 3,721,000 | 5,822,000 | 7,868,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 669,000 | 1,322,000 | 1,654,000 | 2,157,000 |
| Income tax | 180,000 | 352,000 | 439,000 | 552,000 |
| Net income | 489,000 | 970,000 | 1,215,000 | 1,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,772,000 | 51,253,000 | 51,498,000 | 51,888,000 |
| Total capital | 53,268,000 | 53,725,000 | 53,988,000 | 54,464,000 |
| Risk-weighted assets | 199,617,000 | 197,679,000 | 199,139,000 | 206,108,000 |