Call reports 2025
NORTH SHORE TRUST AND SAVINGS — 2025
What NORTH SHORE TRUST AND SAVINGS reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 282,804,000 | 276,227,000 | 269,920,000 | 266,760,000 |
| Total loans | 133,990,000 | 138,464,000 | 136,298,000 | 134,222,000 |
| Allowance for loan losses | 1,156,000 | 1,200,000 | 1,260,000 | 1,128,000 |
| Securities available for sale | 70,319,000 | 69,588,000 | 79,561,000 | 78,719,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,902,000 | 211,532,000 | 203,669,000 | 199,576,000 |
| Interest-bearing deposits | 184,760,000 | 183,045,000 | 176,506,000 | 170,411,000 |
| Noninterest-bearing deposits | 29,143,000 | 28,487,000 | 27,163,000 | 29,166,000 |
| Equity capital | 57,263,000 | 58,097,000 | 59,455,000 | 60,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,751,000 | 5,529,000 | 8,354,000 | 11,035,000 |
| Interest expense | 951,000 | 1,912,000 | 2,823,000 | 3,657,000 |
| Net interest income | 1,800,000 | 3,617,000 | 5,531,000 | 7,378,000 |
| Noninterest income | 319,000 | 1,011,000 | 1,572,000 | 2,208,000 |
| Noninterest expense | 2,221,000 | 4,576,000 | 6,784,000 | 8,969,000 |
| Provision for loan losses | -45,000 | -1,000 | -40,000 | -172,000 |
| Pretax income | -65,000 | 32,000 | 349,000 | 809,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -65,000 | 32,000 | 349,000 | 809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,790,000 | 65,125,000 | 65,679,000 | 66,366,000 |