Call reports 2018
NORTH SHORE TRUST AND SAVINGS — 2018
What NORTH SHORE TRUST AND SAVINGS reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 227,792,000 | 224,861,000 | 220,696,000 | 224,557,000 |
| Total loans | 98,650,000 | 99,272,000 | 100,404,000 | 101,093,000 |
| Allowance for loan losses | 332,000 | 346,000 | 345,000 | 260,000 |
| Securities available for sale | 81,868,000 | 78,269,000 | 74,064,000 | 70,793,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,111,000 | 179,949,000 | 175,886,000 | 178,493,000 |
| Interest-bearing deposits | 176,080,000 | 173,052,000 | 169,157,000 | 171,758,000 |
| Noninterest-bearing deposits | 7,032,000 | 6,897,000 | 6,729,000 | 6,735,000 |
| Equity capital | 42,271,000 | 42,414,000 | 42,298,000 | 43,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,648,000 | 3,306,000 | 5,082,000 | 6,842,000 |
| Interest expense | 195,000 | 405,000 | 666,000 | 986,000 |
| Net interest income | 1,453,000 | 2,901,000 | 4,416,000 | 5,856,000 |
| Noninterest income | 149,000 | 356,000 | 545,000 | 736,000 |
| Noninterest expense | 1,482,000 | 2,998,000 | 4,483,000 | 5,945,000 |
| Provision for loan losses | 32,000 | 32,000 | 32,000 | -62,000 |
| Pretax income | 88,000 | 227,000 | 446,000 | 709,000 |
| Income tax | 4,000 | -2,000 | 23,000 | 56,000 |
| Net income | 84,000 | 229,000 | 423,000 | 653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,104,000 | 44,248,000 | 44,444,000 | 44,673,000 |
| Total capital | 44,431,000 | 44,589,000 | 44,784,000 | 44,929,000 |
| Risk-weighted assets | 82,217,000 | 82,018,000 | 82,422,000 | 81,960,000 |