Call reports 2002
NORTH SHORE BANK OF COMMERCE — 2002
What NORTH SHORE BANK OF COMMERCE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 155,593,000 | 154,084,000 | 159,084,000 | 161,047,000 |
| Total loans | 103,638,000 | 107,080,000 | 114,542,000 | 120,428,000 |
| Allowance for loan losses | 878,000 | 897,000 | 897,000 | 907,000 |
| Securities available for sale | 25,616,000 | 26,823,000 | 28,668,000 | 25,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,049,000 | 136,710,000 | 141,865,000 | 140,891,000 |
| Interest-bearing deposits | 101,964,000 | 98,990,000 | 99,341,000 | 100,514,000 |
| Noninterest-bearing deposits | 36,085,000 | 37,720,000 | 42,524,000 | 40,377,000 |
| Equity capital | 11,175,000 | 11,326,000 | 12,140,000 | 12,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,329,000 | 4,598,000 | 6,893,000 | 9,216,000 |
| Interest expense | 672,000 | 1,255,000 | 1,784,000 | 2,282,000 |
| Net interest income | 1,657,000 | 3,343,000 | 5,109,000 | 6,934,000 |
| Noninterest income | 961,000 | 1,810,000 | 2,843,000 | 4,139,000 |
| Noninterest expense | 2,049,000 | 4,114,000 | 6,185,000 | 8,721,000 |
| Provision for loan losses | 110,000 | 130,000 | 130,000 | 130,000 |
| Pretax income | 459,000 | 909,000 | 1,637,000 | 2,222,000 |
| Income tax | 20,000 | 21,000 | 23,000 | 24,000 |
| Net income | 439,000 | 888,000 | 1,614,000 | 2,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,780,000 | 10,753,000 | 11,299,000 | 11,883,000 |
| Total capital | 11,658,000 | 11,650,000 | 12,196,000 | 12,790,000 |
| Risk-weighted assets | 93,912,000 | 95,202,000 | 99,229,000 | 101,717,000 |