Call reports 2025
FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION — 2025
What FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 369,811,000 | 365,778,000 | 362,278,000 | 358,898,000 |
| Total loans | 285,231,000 | 286,625,000 | 293,583,000 | 291,198,000 |
| Allowance for loan losses | 3,825,000 | 3,833,000 | 3,841,000 | 3,684,000 |
| Securities available for sale | 21,818,000 | 21,411,000 | 20,918,000 | 18,036,000 |
| Securities held to maturity | 1,176,000 | 1,167,000 | 1,150,000 | 1,143,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,036,000 | 301,396,000 | 297,227,000 | 296,974,000 |
| Interest-bearing deposits | 288,872,000 | 285,375,000 | 280,579,000 | 245,290,000 |
| Noninterest-bearing deposits | 17,164,000 | 16,021,000 | 16,648,000 | 51,684,000 |
| Equity capital | 59,050,000 | 59,668,000 | 60,382,000 | 60,943,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,567,000 | 9,309,000 | 14,066,000 | 19,045,000 |
| Interest expense | 1,887,000 | 3,812,000 | 5,657,000 | 7,511,000 |
| Net interest income | 2,680,000 | 5,497,000 | 8,409,000 | 11,534,000 |
| Noninterest income | 184,000 | 399,000 | 641,000 | 598,000 |
| Noninterest expense | 2,182,000 | 4,433,000 | 6,985,000 | 9,599,000 |
| Provision for loan losses | 25,000 | 31,000 | 38,000 | -71,000 |
| Pretax income | 662,000 | 1,364,000 | 2,048,000 | 2,709,000 |
| Income tax | 188,000 | 411,000 | 560,000 | 752,000 |
| Net income | 474,000 | 953,000 | 1,488,000 | 1,957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,190,000 | 60,672,000 | 61,206,000 | 61,673,000 |
| Total capital | 63,091,000 | 63,601,000 | 64,187,000 | 64,603,000 |
| Risk-weighted assets | 230,832,000 | 233,027,000 | 237,320,000 | 233,391,000 |