Call reports 2025
SHOREHAM BANK — 2025
What SHOREHAM BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 494,091,000 | 502,678,000 | 498,808,000 | 481,165,000 |
| Total loans | 430,636,000 | 443,743,000 | 430,410,000 | 423,615,000 |
| Allowance for loan losses | 9,609,000 | 10,005,000 | 10,169,000 | 10,076,000 |
| Securities available for sale | 14,342,000 | 15,220,000 | 15,399,000 | 15,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 432,226,000 | 430,994,000 | 429,247,000 | 406,440,000 |
| Interest-bearing deposits | 421,753,000 | 423,614,000 | 421,294,000 | 399,121,000 |
| Noninterest-bearing deposits | 10,473,000 | 7,380,000 | 7,953,000 | 7,319,000 |
| Equity capital | 54,111,000 | 54,676,000 | 54,478,000 | 54,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,600,000 | 19,704,000 | 29,486,000 | 39,095,000 |
| Interest expense | 3,938,000 | 7,998,000 | 12,249,000 | 16,290,000 |
| Net interest income | 5,662,000 | 11,706,000 | 17,237,000 | 22,805,000 |
| Noninterest income | 2,714,000 | 5,241,000 | 7,606,000 | 9,273,000 |
| Noninterest expense | 5,933,000 | 12,166,000 | 18,401,000 | 24,580,000 |
| Provision for loan losses | 900,000 | 1,800,000 | 2,700,000 | 3,400,000 |
| Pretax income | 1,543,000 | 2,981,000 | 3,742,000 | 4,098,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,543,000 | 2,981,000 | 3,742,000 | 4,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,385,000 | 55,013,000 | 54,614,000 | 54,970,000 |
| Total capital | 59,671,000 | 60,381,000 | 59,993,000 | 60,258,000 |
| Risk-weighted assets | 418,596,000 | 424,843,000 | 425,534,000 | 418,279,000 |