Call reports 2020
SHOREHAM BANK — 2020
What SHOREHAM BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 347,091,000 | 349,443,000 | 370,148,000 | 377,077,000 |
| Total loans | 305,430,000 | 312,779,000 | 328,314,000 | 307,199,000 |
| Allowance for loan losses | 5,347,000 | 5,795,000 | 7,125,000 | 7,911,000 |
| Securities available for sale | 1,268,000 | 1,234,000 | 1,115,000 | 1,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,918,000 | 311,130,000 | 329,474,000 | 336,201,000 |
| Interest-bearing deposits | 297,069,000 | 302,452,000 | 320,242,000 | 326,655,000 |
| Noninterest-bearing deposits | 8,849,000 | 8,678,000 | 9,232,000 | 9,546,000 |
| Equity capital | 31,782,000 | 32,678,000 | 34,598,000 | 37,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,414,000 | 10,607,000 | 15,979,000 | 21,197,000 |
| Interest expense | 1,770,000 | 3,363,000 | 4,911,000 | 6,453,000 |
| Net interest income | 3,644,000 | 7,244,000 | 11,068,000 | 14,744,000 |
| Noninterest income | 1,489,000 | 3,223,000 | 6,796,000 | 10,964,000 |
| Noninterest expense | 3,928,000 | 7,384,000 | 11,214,000 | 15,220,000 |
| Provision for loan losses | 1,000,000 | 2,000,000 | 3,650,000 | 4,725,000 |
| Pretax income | 205,000 | 1,083,000 | 3,000,000 | 5,763,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 205,000 | 1,083,000 | 3,000,000 | 5,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,781,000 | 32,658,000 | 34,575,000 | 37,339,000 |
| Total capital | 35,366,000 | 36,292,000 | 38,332,000 | 40,954,000 |
| Risk-weighted assets | 284,596,000 | 288,138,000 | 296,778,000 | 284,493,000 |
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