Call reports 2023
NORTH SHORE TRUST AND SAVINGS — 2023
What NORTH SHORE TRUST AND SAVINGS reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 260,001,000 | 256,619,000 | 251,582,000 | 256,879,000 |
| Total loans | 104,521,000 | 105,777,000 | 108,048,000 | 122,179,000 |
| Allowance for loan losses | 979,000 | 1,010,000 | 1,061,000 | 1,176,000 |
| Securities available for sale | 121,127,000 | 116,694,000 | 109,526,000 | 82,135,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,184,000 | 190,010,000 | 186,702,000 | 189,900,000 |
| Interest-bearing deposits | 160,234,000 | 155,904,000 | 154,687,000 | 158,843,000 |
| Noninterest-bearing deposits | 36,950,000 | 34,106,000 | 32,016,000 | 31,058,000 |
| Equity capital | 56,134,000 | 54,934,000 | 52,948,000 | 55,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,857,000 | 3,706,000 | 5,646,000 | 7,732,000 |
| Interest expense | 254,000 | 557,000 | 1,015,000 | 1,643,000 |
| Net interest income | 1,603,000 | 3,149,000 | 4,631,000 | 6,089,000 |
| Noninterest income | 146,000 | 289,000 | 437,000 | 633,000 |
| Noninterest expense | 1,504,000 | 3,026,000 | 4,680,000 | 6,665,000 |
| Provision for loan losses | -28,000 | 2,000 | 53,000 | 168,000 |
| Pretax income | 273,000 | 410,000 | 336,000 | -1,913,000 |
| Income tax | 6,000 | 131,000 | 60,000 | 903,000 |
| Net income | 267,000 | 279,000 | 276,000 | -2,816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,677,000 | 65,604,000 | 65,941,000 | 63,258,000 |