Ocean Shore Holding Co. Income Statement

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Financial Statements

Income Statement Balance Sheet Cashflow Statement

Consolidated statements of income and comprehensive income

In millions of USD, except per-share amounts

	FY2015 12 months to Dec 31, 2015	FY2014 12 months to Dec 31, 2014	FY2013 12 months to Dec 31, 2013	FY2012 12 months to Dec 31, 2012	FY2011 12 months to Dec 31, 2011
INTEREST AND DIVIDEND INCOME:
Taxable interest and fees on loans
Taxable interest on mortgage-backed securities
Non-taxable interest on municipal securities
Taxable interest and dividends on investments securities
Total interest and dividend income
INTEREST EXPENSE:
Deposits
Advances from Federal Home Loan Bank, securities sold under agreements to repurchase and other borrowed money
Borrowings
Total interest expense

NET INTEREST INCOME
PROVISION FOR LOAN LOSSES
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES
OTHER INCOME:
Service charges
Increase in cash surrender value of life insurance
Gain on sale of securities
Impairment charge on AFS securities
Gain on sale or call of securities
Other
Total other income

OTHER EXPENSES:
Salaries and employee benefits
Occupancy and equipment
Federal insurance premiums
Advertising
Professional services
Real estate owned activity
Charitable contributions
Other operating expenses
Total other expenses
INCOME BEFORE INCOME TAXES
Current
INCOME TAXES:
Current
Deferred income taxes
Total income taxes
NET INCOME
OTHER COMPREHENSIVE INCOME, NET OF TAX
Unrealized gain (loss) on available for sale securities
Unrealized gain (loss) on post retirement life benefit
Total other comprehensive income, net of tax
TOTAL COMPREHENSIVE INCOME
Earnings per share basic (in dollars per share)
Earnings per share diluted (in dollars per share)

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