Call reports 2021
NORTH SHORE BANK — 2021
What NORTH SHORE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 2,510,909,000 | 2,539,456,000 | 2,591,161,000 | 2,587,926,000 |
| Total loans | 1,700,723,000 | 1,695,370,000 | 1,687,102,000 | 1,672,776,000 |
| Allowance for loan losses | 13,491,000 | 13,273,000 | 13,422,000 | 13,421,000 |
| Securities available for sale | 3,000 | 3,000 | 3,000 | 3,000 |
| Securities held to maturity | 443,767,000 | 445,678,000 | 416,125,000 | 362,307,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,044,052,000 | 2,068,293,000 | 2,116,959,000 | 2,108,039,000 |
| Interest-bearing deposits | 1,726,779,000 | 1,733,091,000 | 1,770,321,000 | 1,786,292,000 |
| Noninterest-bearing deposits | 317,273,000 | 335,202,000 | 346,638,000 | 321,747,000 |
| Equity capital | 274,593,000 | 278,050,000 | 288,109,000 | 292,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 18,329,000 | 36,351,000 | 53,917,000 | 71,643,000 |
| Interest expense | 1,573,000 | 2,849,000 | 4,049,000 | 5,106,000 |
| Net interest income | 16,756,000 | 33,502,000 | 49,868,000 | 66,537,000 |
| Noninterest income | 6,652,000 | 10,819,000 | 16,754,000 | 23,640,000 |
| Noninterest expense | 18,495,000 | 36,632,000 | 54,964,000 | 72,353,000 |
| Provision for loan losses | 0 | -2,000,000 | -2,000,000 | -2,500,000 |
| Pretax income | 4,957,000 | 9,737,000 | 13,702,000 | 20,314,000 |
| Income tax | 1,364,000 | 2,686,000 | 3,800,000 | 5,624,000 |
| Net income | 3,593,000 | 7,051,000 | 9,902,000 | 14,690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 259,330,000 | 262,837,000 | 265,737,000 | 270,575,000 |