Call reports 2012
NORTH SHORE TRUST AND SAVINGS — 2012
What NORTH SHORE TRUST AND SAVINGS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 261,461,000 | 258,281,000 | 258,293,000 | 258,300,000 |
| Total loans | 137,383,000 | 133,060,000 | 126,806,000 | 119,733,000 |
| Allowance for loan losses | 1,173,000 | 1,356,000 | 1,220,000 | 1,341,000 |
| Securities available for sale | 57,550,000 | 55,684,000 | 57,992,000 | 61,346,000 |
| Securities held to maturity | 16,159,000 | 14,364,000 | 12,878,000 | 11,486,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,675,000 | 212,263,000 | 213,228,000 | 213,531,000 |
| Interest-bearing deposits | 213,071,000 | 208,181,000 | 209,379,000 | 210,324,000 |
| Noninterest-bearing deposits | 3,604,000 | 4,082,000 | 3,849,000 | 3,208,000 |
| Equity capital | 42,770,000 | 42,978,000 | 43,008,000 | 42,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,135,000 | 4,224,000 | 6,190,000 | 8,047,000 |
| Interest expense | 431,000 | 844,000 | 1,231,000 | 1,585,000 |
| Net interest income | 1,704,000 | 3,380,000 | 4,959,000 | 6,462,000 |
| Noninterest income | 100,000 | 271,000 | 479,000 | 770,000 |
| Noninterest expense | 1,428,000 | 2,869,000 | 4,479,000 | 6,097,000 |
| Provision for loan losses | 369,000 | 563,000 | 712,000 | 1,181,000 |
| Pretax income | 350,000 | 562,000 | 590,000 | 297,000 |
| Income tax | 138,000 | 219,000 | 228,000 | 108,000 |
| Net income | 212,000 | 343,000 | 362,000 | 189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,878,000 | 42,003,000 | 42,030,000 | 41,851,000 |
| Total capital | 43,051,000 | 43,186,000 | 43,214,000 | 43,017,000 |
| Risk-weighted assets | 96,569,000 | 94,464,000 | 94,659,000 | 93,044,000 |
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