Call reports 2020
NORTH SHORE TRUST AND SAVINGS — 2020
What NORTH SHORE TRUST AND SAVINGS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 236,374,000 | 246,030,000 | 238,758,000 | 242,219,000 |
| Total loans | 100,112,000 | 101,756,000 | 105,331,000 | 101,297,000 |
| Allowance for loan losses | 462,000 | 616,000 | 709,000 | 870,000 |
| Securities available for sale | 66,544,000 | 69,214,000 | 71,908,000 | 81,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,390,000 | 192,751,000 | 186,207,000 | 189,982,000 |
| Interest-bearing deposits | 180,115,000 | 183,147,000 | 176,617,000 | 180,248,000 |
| Noninterest-bearing deposits | 8,275,000 | 9,604,000 | 9,589,000 | 9,734,000 |
| Equity capital | 44,994,000 | 46,160,000 | 45,562,000 | 45,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,757,000 | 3,283,000 | 4,670,000 | 6,028,000 |
| Interest expense | 467,000 | 840,000 | 1,183,000 | 1,488,000 |
| Net interest income | 1,290,000 | 2,443,000 | 3,487,000 | 4,540,000 |
| Noninterest income | 169,000 | 434,000 | 824,000 | 1,490,000 |
| Noninterest expense | 1,454,000 | 2,934,000 | 4,417,000 | 6,006,000 |
| Provision for loan losses | 70,000 | 220,000 | 310,000 | 464,000 |
| Pretax income | -86,000 | -218,000 | -357,000 | -381,000 |
| Income tax | -28,000 | -63,000 | -285,000 | -446,000 |
| Net income | -58,000 | -155,000 | -72,000 | 65,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,082,000 | 44,985,000 | 44,118,000 | 44,256,000 |