Call reports 2017
NORTH SHORE TRUST AND SAVINGS — 2017
What NORTH SHORE TRUST AND SAVINGS reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 235,073,000 | 232,885,000 | 227,920,000 | 227,609,000 |
| Total loans | 90,459,000 | 91,519,000 | 96,001,000 | 95,878,000 |
| Allowance for loan losses | 511,000 | 489,000 | 490,000 | 330,000 |
| Securities available for sale | 95,202,000 | 96,052,000 | 92,763,000 | 85,437,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,019,000 | 186,736,000 | 181,735,000 | 181,794,000 |
| Interest-bearing deposits | 183,014,000 | 180,184,000 | 175,183,000 | 175,291,000 |
| Noninterest-bearing deposits | 7,005,000 | 6,552,000 | 6,552,000 | 6,503,000 |
| Equity capital | 42,946,000 | 43,905,000 | 43,916,000 | 43,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,550,000 | 3,154,000 | 4,781,000 | 6,439,000 |
| Interest expense | 195,000 | 389,000 | 581,000 | 771,000 |
| Net interest income | 1,355,000 | 2,765,000 | 4,200,000 | 5,668,000 |
| Noninterest income | 165,000 | 384,000 | 555,000 | 762,000 |
| Noninterest expense | 1,431,000 | 2,884,000 | 4,371,000 | 5,951,000 |
| Provision for loan losses | 20,000 | -33,000 | -33,000 | -195,000 |
| Pretax income | 149,000 | 378,000 | 497,000 | 624,000 |
| Income tax | 20,000 | 6,000 | 14,000 | 378,000 |
| Net income | 129,000 | 372,000 | 483,000 | 246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,789,000 | 44,032,000 | 44,143,000 | 43,906,000 |
| Total capital | 44,294,000 | 44,516,000 | 44,628,000 | 44,231,000 |
| Risk-weighted assets | 76,477,000 | 76,043,000 | 77,900,000 | 76,598,000 |