Call reports 2019
SHOREHAM BANK — 2019
What SHOREHAM BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 301,442,000 | 330,222,000 | 345,988,000 | 346,188,000 |
| Total loans | 271,533,000 | 298,978,000 | 312,387,000 | 297,250,000 |
| Allowance for loan losses | 4,159,000 | 4,531,000 | 4,599,000 | 4,826,000 |
| Securities available for sale | 1,592,000 | 1,517,000 | 1,430,000 | 1,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,933,000 | 274,823,000 | 293,579,000 | 311,074,000 |
| Interest-bearing deposits | 248,602,000 | 268,033,000 | 286,777,000 | 303,945,000 |
| Noninterest-bearing deposits | 6,331,000 | 6,790,000 | 6,802,000 | 7,129,000 |
| Equity capital | 28,251,000 | 29,097,000 | 30,108,000 | 32,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,898,000 | 10,104,000 | 15,624,000 | 21,072,000 |
| Interest expense | 1,466,000 | 3,102,000 | 4,870,000 | 6,630,000 |
| Net interest income | 3,432,000 | 7,002,000 | 10,754,000 | 14,442,000 |
| Noninterest income | 1,272,000 | 2,944,000 | 4,505,000 | 7,985,000 |
| Noninterest expense | 3,780,000 | 7,499,000 | 11,377,000 | 15,370,000 |
| Provision for loan losses | 620,000 | 1,310,000 | 1,735,000 | 2,435,000 |
| Pretax income | 304,000 | 1,137,000 | 2,147,000 | 4,622,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 304,000 | 1,137,000 | 2,147,000 | 4,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,257,000 | 29,091,000 | 30,099,000 | 32,574,000 |
| Total capital | 31,357,000 | 32,483,000 | 33,679,000 | 36,028,000 |
| Risk-weighted assets | 246,429,000 | 269,696,000 | 284,911,000 | 274,515,000 |