Call reports 2023
NORTH SHORE BANK — 2023
What NORTH SHORE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 2,558,241,000 | 2,562,571,000 | 2,580,764,000 | 2,576,967,000 |
| Total loans | 1,790,115,000 | 1,875,324,000 | 1,897,287,000 | 1,888,124,000 |
| Allowance for loan losses | 13,722,000 | 13,693,000 | 13,605,000 | 13,575,000 |
| Securities available for sale | 2,000 | 2,000 | 2,000 | 2,000 |
| Securities held to maturity | 385,353,000 | 361,746,000 | 349,250,000 | 341,172,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,064,783,000 | 2,059,096,000 | 2,069,360,000 | 2,059,447,000 |
| Interest-bearing deposits | 1,764,773,000 | 1,752,799,000 | 1,752,355,000 | 1,776,117,000 |
| Noninterest-bearing deposits | 300,010,000 | 306,297,000 | 317,005,000 | 283,330,000 |
| Equity capital | 316,976,000 | 323,321,000 | 332,802,000 | 339,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 25,382,000 | 52,300,000 | 81,139,000 | 110,819,000 |
| Interest expense | 3,008,000 | 7,331,000 | 12,849,000 | 19,411,000 |
| Net interest income | 22,374,000 | 44,969,000 | 68,290,000 | 91,408,000 |
| Noninterest income | 4,236,000 | 8,537,000 | 13,332,000 | 18,183,000 |
| Noninterest expense | 18,729,000 | 36,809,000 | 55,120,000 | 73,945,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 8,026,000 | 16,785,000 | 26,558,000 | 35,788,000 |
| Income tax | 2,206,000 | 4,620,000 | 7,322,000 | 9,742,000 |
| Net income | 5,820,000 | 12,165,000 | 19,236,000 | 26,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 293,556,000 | 299,950,000 | 307,071,000 | 313,931,000 |