Call reports 2022
NORTH SHORE TRUST AND SAVINGS — 2022
What NORTH SHORE TRUST AND SAVINGS reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 284,905,000 | 274,242,000 | 268,171,000 | 264,519,000 |
| Total loans | 98,304,000 | 96,147,000 | 98,535,000 | 103,983,000 |
| Allowance for loan losses | 785,000 | 769,000 | 685,000 | 624,000 |
| Securities available for sale | 113,455,000 | 121,248,000 | 125,267,000 | 121,205,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,920,000 | 210,314,000 | 208,556,000 | 203,348,000 |
| Interest-bearing deposits | 177,834,000 | 175,509,000 | 173,946,000 | 168,176,000 |
| Noninterest-bearing deposits | 35,086,000 | 34,805,000 | 34,610,000 | 35,171,000 |
| Equity capital | 60,402,000 | 57,222,000 | 52,836,000 | 54,508,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,295,000 | 2,803,000 | 4,490,000 | 6,349,000 |
| Interest expense | 191,000 | 452,000 | 679,000 | 904,000 |
| Net interest income | 1,104,000 | 2,351,000 | 3,811,000 | 5,445,000 |
| Noninterest income | 180,000 | 865,000 | 1,047,000 | 1,217,000 |
| Noninterest expense | 1,635,000 | 3,461,000 | 5,133,000 | 6,434,000 |
| Provision for loan losses | 0 | -16,000 | -100,000 | -230,000 |
| Pretax income | -351,000 | -229,000 | -174,000 | 458,000 |
| Income tax | -75,000 | -35,000 | -65,000 | 237,000 |
| Net income | -276,000 | -194,000 | -109,000 | 221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,945,000 | 65,076,000 | 65,210,000 | 65,633,000 |