Call reports 2014
NORTH SHORE BANK — 2014
What NORTH SHORE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,788,700,000 | 1,778,040,000 | 1,770,582,000 | 1,777,248,000 |
| Total loans | 1,324,832,000 | 1,355,638,000 | 1,340,600,000 | 1,339,127,000 |
| Allowance for loan losses | 12,771,000 | 12,828,000 | 12,453,000 | 12,828,000 |
| Securities available for sale | 6,299,000 | 5,825,000 | 5,673,000 | 5,362,000 |
| Securities held to maturity | 135,752,000 | 130,325,000 | 122,313,000 | 118,387,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,449,989,000 | 1,437,292,000 | 1,427,432,000 | 1,432,897,000 |
| Interest-bearing deposits | 1,286,203,000 | 1,266,767,000 | 1,256,201,000 | 1,268,060,000 |
| Noninterest-bearing deposits | 163,786,000 | 170,525,000 | 171,231,000 | 164,837,000 |
| Equity capital | 218,333,000 | 219,403,000 | 219,297,000 | 220,529,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 15,316,000 | 31,032,000 | 46,461,000 | 61,763,000 |
| Interest expense | 2,049,000 | 4,209,000 | 6,387,000 | 8,545,000 |
| Net interest income | 13,267,000 | 26,823,000 | 40,074,000 | 53,218,000 |
| Noninterest income | 3,231,000 | 6,986,000 | 10,886,000 | 15,037,000 |
| Noninterest expense | 15,428,000 | 30,323,000 | 45,302,000 | 60,130,000 |
| Provision for loan losses | 110,000 | 744,000 | 1,011,000 | 1,411,000 |
| Pretax income | 960,000 | 2,742,000 | 4,647,000 | 6,714,000 |
| Income tax | 384,000 | 1,097,000 | 1,750,000 | 2,576,000 |
| Net income | 576,000 | 1,645,000 | 2,897,000 | 4,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 194,013,000 | 195,296,000 | 196,764,000 | 198,217,000 |
| Total capital | 206,784,000 | 208,124,000 | 209,217,000 | 211,045,000 |
| Risk-weighted assets | 1,122,179,000 | 1,145,301,000 | 1,139,535,000 | 1,137,782,000 |