Call reports 2022
FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2022
What FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 353,912,000 | 355,756,000 | 347,702,000 | 344,147,000 |
| Total loans | 240,130,000 | 244,629,000 | 252,831,000 | 259,683,000 |
| Allowance for loan losses | 2,602,000 | 2,605,000 | 2,501,000 | 2,504,000 |
| Securities available for sale | 20,014,000 | 23,924,000 | 25,419,000 | 26,186,000 |
| Securities held to maturity | 1,429,000 | 1,416,000 | 1,369,000 | 1,350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,138,000 | 303,778,000 | 295,222,000 | 290,447,000 |
| Interest-bearing deposits | 279,976,000 | 281,104,000 | 272,924,000 | 264,073,000 |
| Noninterest-bearing deposits | 22,162,000 | 22,674,000 | 22,298,000 | 26,374,000 |
| Equity capital | 51,416,000 | 51,710,000 | 52,140,000 | 53,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,840,000 | 5,945,000 | 9,337,000 | 12,933,000 |
| Interest expense | 495,000 | 981,000 | 1,468,000 | 1,968,000 |
| Net interest income | 2,345,000 | 4,964,000 | 7,869,000 | 10,965,000 |
| Noninterest income | 135,000 | 378,000 | 991,000 | 1,175,000 |
| Noninterest expense | 1,951,000 | 3,795,000 | 5,672,000 | 7,829,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 529,000 | 1,545,000 | 3,189,000 | 4,315,000 |
| Income tax | 145,000 | 424,000 | 872,000 | 1,154,000 |
| Net income | 384,000 | 1,121,000 | 2,317,000 | 3,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,272,000 | 53,009,000 | 54,204,000 | 55,049,000 |
| Total capital | 54,841,000 | 55,594,000 | 56,705,000 | 57,553,000 |
| Risk-weighted assets | 205,566,000 | 206,794,000 | 217,041,000 | 220,193,000 |