Call reports 2013
NORTH SHORE BANK — 2013
What NORTH SHORE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,739,086,000 | 1,805,506,000 | 1,774,490,000 | 1,777,657,000 |
| Total loans | 1,292,449,000 | 1,354,189,000 | 1,335,389,000 | 1,315,113,000 |
| Allowance for loan losses | 14,314,000 | 14,284,000 | 13,752,000 | 13,123,000 |
| Securities available for sale | 76,610,000 | 29,884,000 | 7,250,000 | 6,821,000 |
| Securities held to maturity | 140,467,000 | 133,758,000 | 148,116,000 | 141,089,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,396,640,000 | 1,457,764,000 | 1,431,977,000 | 1,433,309,000 |
| Interest-bearing deposits | 1,236,158,000 | 1,299,603,000 | 1,257,177,000 | 1,269,704,000 |
| Noninterest-bearing deposits | 160,482,000 | 158,161,000 | 174,800,000 | 163,605,000 |
| Equity capital | 208,585,000 | 209,739,000 | 216,456,000 | 217,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 16,149,000 | 31,967,000 | 49,018,000 | 65,811,000 |
| Interest expense | 2,149,000 | 4,242,000 | 6,333,000 | 8,379,000 |
| Net interest income | 14,000,000 | 27,725,000 | 42,685,000 | 57,432,000 |
| Noninterest income | 3,498,000 | 9,738,000 | 13,151,000 | 16,834,000 |
| Noninterest expense | 14,800,000 | 30,887,000 | 48,635,000 | 63,981,000 |
| Provision for loan losses | 0 | 1,900,000 | 1,900,000 | 2,800,000 |
| Pretax income | 2,698,000 | 5,210,000 | 5,836,000 | 8,019,000 |
| Income tax | 1,079,000 | 2,084,000 | 2,334,000 | 3,209,000 |
| Net income | 1,619,000 | 3,126,000 | 3,502,000 | 4,810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 190,748,000 | 190,968,000 | 191,697,000 | 193,221,000 |
| Total capital | 204,565,000 | 205,252,000 | 205,449,000 | 206,344,000 |
| Risk-weighted assets | 1,104,947,000 | 1,150,754,000 | 1,142,899,000 | 1,123,983,000 |
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