Call reports 2012
SHOREHAM BANK — 2012
What SHOREHAM BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 190,927,000 | 185,396,000 | 195,624,000 | 196,979,000 |
| Total loans | 141,154,000 | 148,688,000 | 159,774,000 | 166,949,000 |
| Allowance for loan losses | 6,112,000 | 6,335,000 | 6,087,000 | 5,324,000 |
| Securities available for sale | 13,157,000 | 12,813,000 | 7,240,000 | 6,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,236,000 | 163,434,000 | 173,399,000 | 173,619,000 |
| Interest-bearing deposits | 162,743,000 | 161,833,000 | 170,877,000 | 171,390,000 |
| Noninterest-bearing deposits | 1,493,000 | 1,601,000 | 2,522,000 | 2,229,000 |
| Equity capital | 18,418,000 | 18,026,000 | 18,320,000 | 17,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,354,000 | 4,770,000 | 7,466,000 | 10,220,000 |
| Interest expense | 617,000 | 1,186,000 | 1,785,000 | 2,334,000 |
| Net interest income | 1,737,000 | 3,584,000 | 5,681,000 | 7,886,000 |
| Noninterest income | 1,251,000 | 2,391,000 | 3,871,000 | 5,681,000 |
| Noninterest expense | 2,853,000 | 5,634,000 | 9,333,000 | 13,109,000 |
| Provision for loan losses | 480,000 | 1,205,000 | 1,205,000 | 1,930,000 |
| Pretax income | 100,000 | -418,000 | -450,000 | -936,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 100,000 | -418,000 | -450,000 | -936,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,460,000 | 17,942,000 | 18,201,000 | 17,757,000 |
| Total capital | 20,030,000 | 19,587,000 | 19,936,000 | 19,576,000 |
| Risk-weighted assets | 121,331,000 | 126,833,000 | 134,371,000 | 141,916,000 |