Call reports 2019
NORTH SHORE BANK — 2019
What NORTH SHORE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,997,947,000 | 2,047,042,000 | 2,048,743,000 | 2,048,238,000 |
| Total loans | 1,627,210,000 | 1,650,817,000 | 1,671,254,000 | 1,648,773,000 |
| Allowance for loan losses | 13,161,000 | 13,232,000 | 13,155,000 | 13,218,000 |
| Securities available for sale | 3,956,000 | 4,016,000 | 4,049,000 | 4,000 |
| Securities held to maturity | 123,031,000 | 110,405,000 | 139,970,000 | 156,943,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,716,110,000 | 1,756,222,000 | 1,759,949,000 | 1,756,213,000 |
| Interest-bearing deposits | 1,491,894,000 | 1,517,220,000 | 1,514,656,000 | 1,533,334,000 |
| Noninterest-bearing deposits | 224,216,000 | 239,002,000 | 245,293,000 | 222,879,000 |
| Equity capital | 251,668,000 | 255,408,000 | 255,440,000 | 258,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 19,860,000 | 40,223,000 | 61,109,000 | 81,546,000 |
| Interest expense | 2,622,000 | 5,704,000 | 8,974,000 | 12,243,000 |
| Net interest income | 17,238,000 | 34,519,000 | 52,135,000 | 69,303,000 |
| Noninterest income | 3,878,000 | 7,689,000 | 10,454,000 | 14,679,000 |
| Noninterest expense | 17,035,000 | 32,977,000 | 49,975,000 | 67,326,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,081,000 | 9,231,000 | 12,614,000 | 17,202,000 |
| Income tax | 1,131,000 | 2,564,000 | 3,530,000 | 4,802,000 |
| Net income | 2,950,000 | 6,667,000 | 9,084,000 | 12,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 231,604,000 | 235,445,000 | 237,972,000 | 241,388,000 |
| Total capital | 244,865,000 | 248,777,000 | 251,227,000 | 254,706,000 |
| Risk-weighted assets | 1,459,506,000 | 1,489,012,000 | 1,527,963,000 | 1,531,217,000 |