Call reports 2025
NORTH SHORE BANK — 2025
What NORTH SHORE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,485,859,000 | 2,502,773,000 | 2,548,932,000 | 2,566,563,000 |
| Total loans | 1,936,197,000 | 1,928,736,000 | 1,934,736,000 | 1,963,588,000 |
| Allowance for loan losses | 13,567,000 | 13,590,000 | 13,713,000 | 13,731,000 |
| Securities available for sale | 2,000 | 2,000 | 1,000 | 1,000 |
| Securities held to maturity | 229,051,000 | 229,093,000 | 218,686,000 | 256,314,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,088,988,000 | 2,094,477,000 | 2,136,118,000 | 2,142,979,000 |
| Interest-bearing deposits | 1,828,882,000 | 1,826,241,000 | 1,858,016,000 | 1,897,234,000 |
| Noninterest-bearing deposits | 260,106,000 | 268,236,000 | 278,102,000 | 245,745,000 |
| Equity capital | 369,979,000 | 375,873,000 | 379,401,000 | 386,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 29,990,000 | 59,882,000 | 91,041,000 | 123,255,000 |
| Interest expense | 7,840,000 | 15,419,000 | 23,349,000 | 31,353,000 |
| Net interest income | 22,150,000 | 44,463,000 | 67,692,000 | 91,902,000 |
| Noninterest income | 4,319,000 | 8,928,000 | 13,657,000 | 18,390,000 |
| Noninterest expense | 19,175,000 | 38,524,000 | 62,781,000 | 82,719,000 |
| Provision for loan losses | 0 | 0 | 120,000 | 230,000 |
| Pretax income | 7,417,000 | 15,012,000 | 18,602,000 | 27,466,000 |
| Income tax | 1,656,000 | 3,357,000 | 3,433,000 | 5,415,000 |
| Net income | 5,761,000 | 11,655,000 | 15,169,000 | 22,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 342,452,000 | 348,396,000 | 351,960,000 | 358,891,000 |