Call reports 2016
NORTH SHORE TRUST AND SAVINGS — 2016
What NORTH SHORE TRUST AND SAVINGS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 241,364,000 | 235,336,000 | 233,847,000 | 234,335,000 |
| Total loans | 97,103,000 | 94,794,000 | 93,217,000 | 91,970,000 |
| Allowance for loan losses | 655,000 | 624,000 | 606,000 | 490,000 |
| Securities available for sale | 88,767,000 | 80,399,000 | 83,274,000 | 92,533,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,746,000 | 189,253,000 | 187,594,000 | 189,406,000 |
| Interest-bearing deposits | 189,111,000 | 183,153,000 | 181,633,000 | 182,683,000 |
| Noninterest-bearing deposits | 6,635,000 | 6,100,000 | 5,961,000 | 6,723,000 |
| Equity capital | 43,565,000 | 43,981,000 | 44,073,000 | 42,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,612,000 | 3,221,000 | 4,768,000 | 6,310,000 |
| Interest expense | 213,000 | 419,000 | 624,000 | 827,000 |
| Net interest income | 1,399,000 | 2,802,000 | 4,144,000 | 5,483,000 |
| Noninterest income | 237,000 | 614,000 | 984,000 | 1,268,000 |
| Noninterest expense | 1,598,000 | 3,218,000 | 4,769,000 | 6,250,000 |
| Provision for loan losses | 60,000 | 70,000 | 70,000 | 61,000 |
| Pretax income | 50,000 | 200,000 | 361,000 | 512,000 |
| Income tax | 4,000 | 37,000 | 74,000 | 102,000 |
| Net income | 46,000 | 163,000 | 287,000 | 410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,296,000 | 43,412,000 | 43,537,000 | 43,660,000 |
| Total capital | 43,945,000 | 44,030,000 | 44,137,000 | 44,144,000 |
| Risk-weighted assets | 79,261,000 | 76,021,000 | 75,367,000 | 76,892,000 |