Call reports 2019
NORTH SHORE TRUST AND SAVINGS — 2019
What NORTH SHORE TRUST AND SAVINGS reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 229,153,000 | 229,434,000 | 224,465,000 | 235,429,000 |
| Total loans | 100,192,000 | 98,542,000 | 101,322,000 | 98,787,000 |
| Allowance for loan losses | 264,000 | 267,000 | 270,000 | 388,000 |
| Securities available for sale | 69,744,000 | 68,541,000 | 68,467,000 | 68,569,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,489,000 | 181,607,000 | 176,044,000 | 186,790,000 |
| Interest-bearing deposits | 174,266,000 | 173,466,000 | 167,750,000 | 179,489,000 |
| Noninterest-bearing deposits | 8,222,000 | 8,141,000 | 8,294,000 | 7,301,000 |
| Equity capital | 43,966,000 | 45,063,000 | 45,454,000 | 45,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,769,000 | 3,564,000 | 5,318,000 | 7,026,000 |
| Interest expense | 387,000 | 809,000 | 1,246,000 | 1,727,000 |
| Net interest income | 1,382,000 | 2,755,000 | 4,072,000 | 5,299,000 |
| Noninterest income | 138,000 | 349,000 | 587,000 | 847,000 |
| Noninterest expense | 1,409,000 | 2,848,000 | 4,252,000 | 5,647,000 |
| Provision for loan losses | 0 | 0 | 0 | 97,000 |
| Pretax income | 111,000 | 256,000 | 407,000 | 402,000 |
| Income tax | 7,000 | -63,000 | -50,000 | -64,000 |
| Net income | 104,000 | 319,000 | 457,000 | 466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,777,000 | 44,992,000 | 45,131,000 | 45,140,000 |
| Total capital | 45,037,000 | 45,255,000 | 45,397,000 | 45,524,000 |
| Risk-weighted assets | 79,573,000 | 79,113,000 | 79,117,000 | 77,952,000 |