Call reports 2015
NORTH SHORE TRUST AND SAVINGS — 2015
What NORTH SHORE TRUST AND SAVINGS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 245,363,000 | 240,645,000 | 239,841,000 | 241,026,000 |
| Total loans | 97,934,000 | 96,117,000 | 96,047,000 | 94,635,000 |
| Allowance for loan losses | 947,000 | 938,000 | 952,000 | 633,000 |
| Securities available for sale | 98,331,000 | 91,479,000 | 95,111,000 | 90,831,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,874,000 | 195,403,000 | 194,282,000 | 195,441,000 |
| Interest-bearing deposits | 194,203,000 | 189,241,000 | 188,075,000 | 188,887,000 |
| Noninterest-bearing deposits | 5,671,000 | 6,162,000 | 6,207,000 | 6,554,000 |
| Equity capital | 43,341,000 | 43,197,000 | 43,461,000 | 43,373,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,653,000 | 3,270,000 | 4,877,000 | 6,483,000 |
| Interest expense | 234,000 | 462,000 | 685,000 | 906,000 |
| Net interest income | 1,419,000 | 2,808,000 | 4,192,000 | 5,577,000 |
| Noninterest income | 384,000 | 768,000 | 1,133,000 | 1,472,000 |
| Noninterest expense | 1,584,000 | 3,287,000 | 4,906,000 | 6,777,000 |
| Provision for loan losses | 46,000 | 46,000 | 46,000 | -211,000 |
| Pretax income | 173,000 | 322,000 | 452,000 | 562,000 |
| Income tax | 50,000 | 89,000 | 123,000 | 147,000 |
| Net income | 123,000 | 233,000 | 329,000 | 415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,958,000 | 43,068,000 | 43,163,000 | 43,250,000 |
| Total capital | 43,899,000 | 43,999,000 | 44,108,000 | 43,877,000 |
| Risk-weighted assets | 80,210,000 | 79,022,000 | 78,548,000 | 76,951,000 |