Call reports 2013
SHOREHAM BANK — 2013
What SHOREHAM BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 192,704,000 | 197,123,000 | 204,763,000 | 204,003,000 |
| Total loans | 160,475,000 | 172,780,000 | 172,169,000 | 172,796,000 |
| Allowance for loan losses | 5,088,000 | 5,117,000 | 4,278,000 | 4,018,000 |
| Securities available for sale | 6,051,000 | 5,700,000 | 5,264,000 | 5,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,857,000 | 172,251,000 | 179,944,000 | 181,536,000 |
| Interest-bearing deposits | 170,046,000 | 169,823,000 | 179,050,000 | 175,349,000 |
| Noninterest-bearing deposits | 2,811,000 | 2,428,000 | 894,000 | 6,187,000 |
| Equity capital | 17,881,000 | 18,694,000 | 19,073,000 | 19,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,817,000 | 5,741,000 | 8,909,000 | 12,093,000 |
| Interest expense | 537,000 | 1,059,000 | 1,609,000 | 2,181,000 |
| Net interest income | 2,280,000 | 4,682,000 | 7,300,000 | 9,912,000 |
| Noninterest income | 1,345,000 | 2,426,000 | 3,692,000 | 4,868,000 |
| Noninterest expense | 3,310,000 | 6,455,000 | 10,471,000 | 13,960,000 |
| Provision for loan losses | 200,000 | 200,000 | -324,000 | -274,000 |
| Pretax income | 115,000 | 453,000 | 845,000 | 1,094,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 115,000 | 453,000 | 845,000 | 1,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,872,000 | 18,711,000 | 19,103,000 | 19,352,000 |
| Total capital | 19,630,000 | 20,588,000 | 20,969,000 | 21,242,000 |
| Risk-weighted assets | 136,817,000 | 146,426,000 | 145,860,000 | 147,973,000 |
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