Call reports 2016
NORTH SHORE BANK — 2016
What NORTH SHORE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,811,131,000 | 1,721,528,000 | 1,757,303,000 | 1,876,569,000 |
| Total loans | 1,348,795,000 | 1,364,976,000 | 1,367,705,000 | 1,455,965,000 |
| Allowance for loan losses | 12,914,000 | 12,917,000 | 13,062,000 | 13,185,000 |
| Securities available for sale | 4,492,000 | 4,418,000 | 4,348,000 | 13,723,000 |
| Securities held to maturity | 162,743,000 | 206,275,000 | 199,845,000 | 191,249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,458,047,000 | 1,465,335,000 | 1,498,043,000 | 1,615,960,000 |
| Interest-bearing deposits | 1,289,485,000 | 1,284,094,000 | 1,301,977,000 | 1,418,076,000 |
| Noninterest-bearing deposits | 168,562,000 | 181,241,000 | 196,066,000 | 197,884,000 |
| Equity capital | 223,664,000 | 225,334,000 | 226,317,000 | 226,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 14,724,000 | 29,814,000 | 45,255,000 | 61,388,000 |
| Interest expense | 2,265,000 | 4,401,000 | 5,556,000 | 6,826,000 |
| Net interest income | 12,459,000 | 25,413,000 | 39,699,000 | 54,562,000 |
| Noninterest income | 3,620,000 | 7,641,000 | 11,836,000 | 15,873,000 |
| Noninterest expense | 14,624,000 | 32,586,000 | 48,520,000 | 66,176,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,455,000 | 4,242,000 | 6,789,000 | 8,033,000 |
| Income tax | 582,000 | 1,697,000 | 2,716,000 | 3,214,000 |
| Net income | 873,000 | 2,545,000 | 4,073,000 | 4,819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 205,951,000 | 207,729,000 | 209,362,000 | 208,347,000 |
| Total capital | 218,965,000 | 220,746,000 | 222,524,000 | 221,632,000 |
| Risk-weighted assets | 1,161,469,000 | 1,183,682,000 | 1,211,868,000 | 1,308,608,000 |