Call reports 2017
NORTH SHORE BANK — 2017
What NORTH SHORE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,880,604,000 | 1,897,760,000 | 1,895,988,000 | 2,040,344,000 |
| Total loans | 1,467,378,000 | 1,512,305,000 | 1,500,533,000 | 1,496,961,000 |
| Allowance for loan losses | 13,366,000 | 13,363,000 | 12,972,000 | 12,933,000 |
| Securities available for sale | 4,082,000 | 4,064,000 | 3,987,000 | 3,960,000 |
| Securities held to maturity | 186,459,000 | 176,405,000 | 166,513,000 | 134,659,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,618,555,000 | 1,632,757,000 | 1,630,878,000 | 1,700,785,000 |
| Interest-bearing deposits | 1,424,779,000 | 1,423,016,000 | 1,408,113,000 | 1,482,043,000 |
| Noninterest-bearing deposits | 193,776,000 | 209,741,000 | 222,765,000 | 218,742,000 |
| Equity capital | 228,684,000 | 231,015,000 | 235,593,000 | 236,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 16,004,000 | 32,235,000 | 49,290,000 | 66,540,000 |
| Interest expense | 1,278,000 | 2,633,000 | 4,010,000 | 5,511,000 |
| Net interest income | 14,726,000 | 29,602,000 | 45,280,000 | 61,029,000 |
| Noninterest income | 3,965,000 | 8,409,000 | 12,459,000 | 16,528,000 |
| Noninterest expense | 15,951,000 | 31,378,000 | 46,596,000 | 62,335,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,740,000 | 6,633,000 | 11,143,000 | 15,222,000 |
| Income tax | 1,096,000 | 2,653,000 | 4,458,000 | 8,657,000 |
| Net income | 1,644,000 | 3,980,000 | 6,685,000 | 6,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 210,146,000 | 212,333,000 | 213,840,000 | 213,802,000 |
| Total capital | 223,612,000 | 225,796,000 | 226,912,000 | 226,835,000 |
| Risk-weighted assets | 1,302,367,000 | 1,348,082,000 | 1,340,886,000 | 1,316,103,000 |