Call reports 2015
SHOREHAM BANK — 2015
What SHOREHAM BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 215,512,000 | 216,957,000 | 211,431,000 | 224,192,000 |
| Total loans | 181,335,000 | 183,572,000 | 180,764,000 | 190,787,000 |
| Allowance for loan losses | 3,074,000 | 2,914,000 | 2,854,000 | 2,745,000 |
| Securities available for sale | 3,779,000 | 3,555,000 | 3,356,000 | 3,202,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,130,000 | 191,972,000 | 185,942,000 | 193,602,000 |
| Interest-bearing deposits | 188,327,000 | 189,389,000 | 182,494,000 | 187,467,000 |
| Noninterest-bearing deposits | 2,803,000 | 2,583,000 | 3,448,000 | 6,135,000 |
| Equity capital | 22,420,000 | 22,732,000 | 23,227,000 | 23,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,206,000 | 6,421,000 | 9,708,000 | 13,117,000 |
| Interest expense | 633,000 | 1,279,000 | 1,930,000 | 2,566,000 |
| Net interest income | 2,573,000 | 5,142,000 | 7,778,000 | 10,551,000 |
| Noninterest income | 683,000 | 1,406,000 | 2,359,000 | 2,899,000 |
| Noninterest expense | 2,703,000 | 5,667,000 | 8,668,000 | 11,411,000 |
| Provision for loan losses | 100,000 | 100,000 | 200,000 | 200,000 |
| Pretax income | 453,000 | 781,000 | 1,269,000 | 1,839,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 453,000 | 781,000 | 1,269,000 | 1,839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,405,000 | 22,732,000 | 23,221,000 | 23,791,000 |
| Total capital | 24,390,000 | 24,776,000 | 25,264,000 | 25,951,000 |
| Risk-weighted assets | 156,849,000 | 161,786,000 | 161,814,000 | 171,417,000 |
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