Call reports 2021
NORTH SHORE TRUST AND SAVINGS — 2021
What NORTH SHORE TRUST AND SAVINGS reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 239,977,000 | 239,396,000 | 259,426,000 | 339,767,000 |
| Total loans | 100,085,000 | 99,032,000 | 97,907,000 | 97,417,000 |
| Allowance for loan losses | 872,000 | 792,000 | 783,000 | 779,000 |
| Securities available for sale | 90,129,000 | 98,284,000 | 96,994,000 | 100,950,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,302,000 | 187,678,000 | 207,241,000 | 288,224,000 |
| Interest-bearing deposits | 177,511,000 | 175,843,000 | 194,933,000 | 189,134,000 |
| Noninterest-bearing deposits | 11,791,000 | 11,835,000 | 12,308,000 | 99,090,000 |
| Equity capital | 44,735,000 | 44,826,000 | 44,902,000 | 44,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,310,000 | 2,574,000 | 3,776,000 | 4,995,000 |
| Interest expense | 255,000 | 491,000 | 717,000 | 941,000 |
| Net interest income | 1,055,000 | 2,083,000 | 3,059,000 | 4,054,000 |
| Noninterest income | 328,000 | 580,000 | 819,000 | 1,108,000 |
| Noninterest expense | 1,493,000 | 2,879,000 | 4,229,000 | 5,561,000 |
| Provision for loan losses | 0 | 17,000 | 5,000 | -23,000 |
| Pretax income | -110,000 | -233,000 | -225,000 | -245,000 |
| Income tax | -41,000 | -233,000 | -244,000 | -251,000 |
| Net income | -69,000 | 0 | 19,000 | 6,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,186,000 | 44,257,000 | 44,276,000 | 44,262,000 |