Call reports 2020
NORTH SHORE BANK — 2020
What NORTH SHORE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 2,214,151,000 | 2,375,036,000 | 2,430,612,000 | 2,449,855,000 |
| Total loans | 1,638,990,000 | 1,745,740,000 | 1,747,969,000 | 1,725,492,000 |
| Allowance for loan losses | 13,202,000 | 13,162,000 | 13,279,000 | 13,400,000 |
| Securities available for sale | 4,000 | 4,000 | 4,000 | 3,000 |
| Securities held to maturity | 246,202,000 | 282,300,000 | 380,396,000 | 477,735,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,768,786,000 | 1,920,989,000 | 1,973,602,000 | 1,987,366,000 |
| Interest-bearing deposits | 1,554,538,000 | 1,632,518,000 | 1,663,154,000 | 1,683,168,000 |
| Noninterest-bearing deposits | 214,248,000 | 288,471,000 | 310,448,000 | 304,198,000 |
| Equity capital | 261,391,000 | 264,851,000 | 266,748,000 | 270,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 19,701,000 | 38,712,000 | 57,786,000 | 76,856,000 |
| Interest expense | 3,221,000 | 6,103,000 | 8,638,000 | 10,763,000 |
| Net interest income | 16,480,000 | 32,609,000 | 49,148,000 | 66,093,000 |
| Noninterest income | 3,855,000 | 8,757,000 | 14,768,000 | 21,318,000 |
| Noninterest expense | 16,757,000 | 33,037,000 | 50,646,000 | 68,293,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,658,000 | 8,452,000 | 13,433,000 | 19,278,000 |
| Income tax | 1,022,000 | 2,346,000 | 3,661,000 | 5,255,000 |
| Net income | 2,636,000 | 6,106,000 | 9,772,000 | 14,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 244,125,000 | 247,669,000 | 251,386,000 | 255,686,000 |