Call reports 2014
NORTH SHORE TRUST AND SAVINGS — 2014
What NORTH SHORE TRUST AND SAVINGS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 257,484,000 | 250,968,000 | 247,889,000 | 244,019,000 |
| Total loans | 105,263,000 | 103,675,000 | 102,157,000 | 99,231,000 |
| Allowance for loan losses | 1,126,000 | 1,143,000 | 1,031,000 | 985,000 |
| Securities available for sale | 87,792,000 | 91,673,000 | 92,464,000 | 95,705,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,955,000 | 206,083,000 | 202,843,000 | 198,819,000 |
| Interest-bearing deposits | 207,335,000 | 200,052,000 | 197,532,000 | 193,485,000 |
| Noninterest-bearing deposits | 5,620,000 | 6,031,000 | 5,311,000 | 5,334,000 |
| Equity capital | 42,413,000 | 42,837,000 | 42,816,000 | 43,001,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,682,000 | 3,365,000 | 5,069,000 | 6,732,000 |
| Interest expense | 276,000 | 547,000 | 811,000 | 1,057,000 |
| Net interest income | 1,406,000 | 2,818,000 | 4,258,000 | 5,675,000 |
| Noninterest income | 116,000 | 365,000 | 633,000 | 933,000 |
| Noninterest expense | 1,404,000 | 2,867,000 | 4,398,000 | 6,013,000 |
| Provision for loan losses | 77,000 | 182,000 | 256,000 | 467,000 |
| Pretax income | 74,000 | 168,000 | 271,000 | 162,000 |
| Income tax | 15,000 | 44,000 | 75,000 | 40,000 |
| Net income | 59,000 | 124,000 | 196,000 | 122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,766,000 | 42,832,000 | 42,903,000 | 42,830,000 |
| Total capital | 43,804,000 | 43,819,000 | 43,884,000 | 43,807,000 |
| Risk-weighted assets | 82,915,000 | 79,716,000 | 78,447,000 | 78,191,000 |
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