Call reports 2024
NORTH SHORE TRUST AND SAVINGS — 2024
What NORTH SHORE TRUST AND SAVINGS reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 266,095,000 | 266,088,000 | 268,432,000 | 278,887,000 |
| Total loans | 128,300,000 | 137,485,000 | 138,202,000 | 132,775,000 |
| Allowance for loan losses | 1,177,000 | 1,267,000 | 1,271,000 | 1,201,000 |
| Securities available for sale | 79,799,000 | 75,301,000 | 75,240,000 | 71,249,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,400,000 | 199,234,000 | 198,995,000 | 210,798,000 |
| Interest-bearing deposits | 168,835,000 | 170,147,000 | 171,179,000 | 182,047,000 |
| Noninterest-bearing deposits | 30,564,000 | 29,087,000 | 27,816,000 | 28,751,000 |
| Equity capital | 54,723,000 | 54,747,000 | 57,134,000 | 56,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,404,000 | 4,970,000 | 7,630,000 | 10,306,000 |
| Interest expense | 732,000 | 1,540,000 | 2,404,000 | 3,376,000 |
| Net interest income | 1,672,000 | 3,430,000 | 5,226,000 | 6,930,000 |
| Noninterest income | 310,000 | 807,000 | 1,227,000 | 1,921,000 |
| Noninterest expense | 1,957,000 | 4,120,000 | 6,248,000 | 8,385,000 |
| Provision for loan losses | 1,000 | 91,000 | 95,000 | 25,000 |
| Pretax income | 26,000 | -5,000 | 63,000 | 395,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 26,000 | -5,000 | 63,000 | 395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,496,000 | 63,679,000 | 63,962,000 | 64,634,000 |