Call reports 2015
NORTH SHORE BANK — 2015
What NORTH SHORE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,779,712,000 | 1,791,865,000 | 1,806,865,000 | 1,837,704,000 |
| Total loans | 1,341,529,000 | 1,341,106,000 | 1,326,862,000 | 1,338,291,000 |
| Allowance for loan losses | 12,647,000 | 13,156,000 | 12,883,000 | 12,680,000 |
| Securities available for sale | 5,269,000 | 4,754,000 | 4,632,000 | 4,554,000 |
| Securities held to maturity | 114,473,000 | 109,843,000 | 105,388,000 | 100,673,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,433,155,000 | 1,443,296,000 | 1,456,053,000 | 1,485,888,000 |
| Interest-bearing deposits | 1,272,653,000 | 1,268,853,000 | 1,270,969,000 | 1,315,054,000 |
| Noninterest-bearing deposits | 160,502,000 | 174,443,000 | 185,084,000 | 170,834,000 |
| Equity capital | 221,795,000 | 223,192,000 | 221,326,000 | 222,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 15,149,000 | 30,445,000 | 45,527,000 | 60,700,000 |
| Interest expense | 2,118,000 | 4,293,000 | 6,575,000 | 8,857,000 |
| Net interest income | 13,031,000 | 26,152,000 | 38,952,000 | 51,843,000 |
| Noninterest income | 3,461,000 | 7,326,000 | 10,452,000 | 14,619,000 |
| Noninterest expense | 14,374,000 | 29,023,000 | 43,198,000 | 57,804,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,118,000 | 4,455,000 | 6,206,000 | 8,658,000 |
| Income tax | 847,000 | 1,782,000 | 2,482,000 | 3,463,000 |
| Net income | 1,271,000 | 2,673,000 | 3,724,000 | 5,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 201,154,000 | 202,642,000 | 203,778,000 | 205,330,000 |
| Total capital | 213,801,000 | 215,798,000 | 216,661,000 | 218,110,000 |
| Risk-weighted assets | 1,154,664,000 | 1,161,660,000 | 1,119,833,000 | 1,114,475,000 |