Call reports 2012
NORTH SHORE BANK — 2012
What NORTH SHORE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,748,786,000 | 1,743,241,000 | 1,746,910,000 | 1,758,569,000 |
| Total loans | 1,342,124,000 | 1,343,699,000 | 1,327,594,000 | 1,319,292,000 |
| Allowance for loan losses | 17,293,000 | 17,271,000 | 15,532,000 | 15,194,000 |
| Securities available for sale | 48,026,000 | 32,463,000 | 48,341,000 | 61,822,000 |
| Securities held to maturity | 163,469,000 | 158,041,000 | 150,794,000 | 145,706,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,393,953,000 | 1,391,362,000 | 1,387,166,000 | 1,392,434,000 |
| Interest-bearing deposits | 1,238,907,000 | 1,232,745,000 | 1,212,892,000 | 1,240,377,000 |
| Noninterest-bearing deposits | 155,046,000 | 158,617,000 | 174,274,000 | 152,057,000 |
| Equity capital | 204,587,000 | 205,982,000 | 205,042,000 | 206,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 17,599,000 | 35,314,000 | 52,599,000 | 69,504,000 |
| Interest expense | 2,746,000 | 5,359,000 | 7,825,000 | 10,113,000 |
| Net interest income | 14,853,000 | 29,955,000 | 44,774,000 | 59,391,000 |
| Noninterest income | 3,499,000 | 7,741,000 | 11,377,000 | 16,065,000 |
| Noninterest expense | 16,227,000 | 32,221,000 | 48,052,000 | 63,360,000 |
| Provision for loan losses | 770,000 | 2,190,000 | 2,440,000 | 3,040,000 |
| Pretax income | 1,355,000 | 3,602,000 | 6,025,000 | 9,492,000 |
| Income tax | 542,000 | 1,441,000 | 2,450,000 | 3,837,000 |
| Net income | 813,000 | 2,161,000 | 3,575,000 | 5,655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 183,760,000 | 185,095,000 | 185,569,000 | 188,315,000 |
| Total capital | 198,399,000 | 199,177,000 | 199,819,000 | 202,236,000 |
| Risk-weighted assets | 1,168,450,000 | 1,122,824,000 | 1,138,735,000 | 1,112,418,000 |
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