Call reports 2013
NORTH SHORE TRUST AND SAVINGS — 2013
What NORTH SHORE TRUST AND SAVINGS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 261,148,000 | 256,894,000 | 252,975,000 | 252,525,000 |
| Total loans | 116,051,000 | 111,503,000 | 108,545,000 | 106,845,000 |
| Allowance for loan losses | 1,366,000 | 1,197,000 | 1,206,000 | 1,149,000 |
| Securities available for sale | 62,240,000 | 62,514,000 | 65,290,000 | 81,500,000 |
| Securities held to maturity | 10,355,000 | 9,334,000 | 13,682,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,482,000 | 212,633,000 | 208,954,000 | 208,158,000 |
| Interest-bearing deposits | 212,255,000 | 208,183,000 | 204,097,000 | 202,948,000 |
| Noninterest-bearing deposits | 4,228,000 | 4,450,000 | 4,856,000 | 5,210,000 |
| Equity capital | 42,739,000 | 42,354,000 | 41,959,000 | 42,223,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,806,000 | 3,532,000 | 5,200,000 | 6,877,000 |
| Interest expense | 324,000 | 642,000 | 948,000 | 1,241,000 |
| Net interest income | 1,482,000 | 2,890,000 | 4,252,000 | 5,636,000 |
| Noninterest income | 154,000 | 370,000 | 558,000 | 719,000 |
| Noninterest expense | 1,434,000 | 2,946,000 | 4,431,000 | 5,938,000 |
| Provision for loan losses | 122,000 | 172,000 | 297,000 | 444,000 |
| Pretax income | 100,000 | 161,000 | 102,000 | 45,000 |
| Income tax | 35,000 | 44,000 | 9,000 | -26,000 |
| Net income | 65,000 | 117,000 | 93,000 | 71,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,924,000 | 41,975,000 | 41,951,000 | 42,708,000 |
| Total capital | 43,096,000 | 43,055,000 | 43,007,000 | 43,720,000 |
| Risk-weighted assets | 93,568,000 | 86,282,000 | 84,428,000 | 81,790,000 |
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