Call reports 2001
NORTH SHORE BANK OF COMMERCE — 2001
What NORTH SHORE BANK OF COMMERCE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 152,445,000 | 155,250,000 | 161,961,000 | 159,020,000 |
| Total loans | 106,679,000 | 109,008,000 | 109,956,000 | 115,458,000 |
| Allowance for loan losses | 1,028,000 | 785,000 | 743,000 | 790,000 |
| Securities available for sale | 25,523,000 | 22,860,000 | 26,632,000 | 27,048,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,009,000 | 137,865,000 | 144,177,000 | 142,303,000 |
| Interest-bearing deposits | 102,664,000 | 102,464,000 | 103,821,000 | 100,040,000 |
| Noninterest-bearing deposits | 33,345,000 | 35,401,000 | 40,356,000 | 42,263,000 |
| Equity capital | 10,605,000 | 10,615,000 | 11,321,000 | 11,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,771,000 | 5,528,000 | 8,215,000 | 10,796,000 |
| Interest expense | 1,105,000 | 2,138,000 | 3,067,000 | 3,852,000 |
| Net interest income | 1,666,000 | 3,390,000 | 5,148,000 | 6,944,000 |
| Noninterest income | 723,000 | 1,582,000 | 2,518,000 | 3,735,000 |
| Noninterest expense | 1,754,000 | 3,756,000 | 5,703,000 | 8,036,000 |
| Provision for loan losses | 75,000 | 200,000 | 350,000 | 500,000 |
| Pretax income | 560,000 | 1,016,000 | 1,613,000 | 2,143,000 |
| Income tax | 73,000 | 132,000 | 63,000 | 63,000 |
| Net income | 487,000 | 884,000 | 1,550,000 | 2,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,278,000 | 10,283,000 | 10,760,000 | 11,292,000 |
| Total capital | 11,306,000 | 11,068,000 | 11,503,000 | 12,082,000 |
| Risk-weighted assets | 100,090,000 | 101,901,000 | 102,287,000 | 104,916,000 |