Call reports 2004
NORTH SHORE BANK OF COMMERCE — 2004
What NORTH SHORE BANK OF COMMERCE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 162,388,000 | 164,129,000 | 180,333,000 | 167,630,000 |
| Total loans | 115,686,000 | 119,764,000 | 120,728,000 | 126,661,000 |
| Allowance for loan losses | 922,000 | 922,000 | 922,000 | 921,000 |
| Securities available for sale | 26,378,000 | 25,369,000 | 26,842,000 | 24,936,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,739,000 | 148,448,000 | 162,087,000 | 149,211,000 |
| Interest-bearing deposits | 103,625,000 | 104,686,000 | 119,406,000 | 104,011,000 |
| Noninterest-bearing deposits | 41,114,000 | 43,762,000 | 42,681,000 | 45,200,000 |
| Equity capital | 12,612,000 | 11,728,000 | 12,403,000 | 12,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,884,000 | 3,821,000 | 5,803,000 | 7,817,000 |
| Interest expense | 342,000 | 677,000 | 1,017,000 | 1,365,000 |
| Net interest income | 1,542,000 | 3,144,000 | 4,786,000 | 6,452,000 |
| Noninterest income | 721,000 | 1,482,000 | 2,311,000 | 3,007,000 |
| Noninterest expense | 1,967,000 | 4,111,000 | 6,175,000 | 8,303,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 296,000 | 515,000 | 922,000 | 1,156,000 |
| Income tax | 5,000 | 5,000 | -22,000 | -22,000 |
| Net income | 291,000 | 510,000 | 944,000 | 1,178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,032,000 | 11,724,000 | 12,158,000 | 12,392,000 |
| Total capital | 12,954,000 | 12,646,000 | 13,080,000 | 13,313,000 |
| Risk-weighted assets | 110,178,000 | 112,782,000 | 120,140,000 | 120,065,000 |