Call reports 2005
NORTH SHORE BANK OF COMMERCE — 2005
What NORTH SHORE BANK OF COMMERCE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 168,059,000 | 172,924,000 | 177,860,000 | 181,801,000 |
| Total loans | 125,753,000 | 128,810,000 | 133,562,000 | 137,632,000 |
| Allowance for loan losses | 920,000 | 920,000 | 901,000 | 896,000 |
| Securities available for sale | 24,460,000 | 25,703,000 | 24,545,000 | 24,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,774,000 | 154,822,000 | 155,527,000 | 157,258,000 |
| Interest-bearing deposits | 112,130,000 | 108,684,000 | 107,894,000 | 106,086,000 |
| Noninterest-bearing deposits | 41,644,000 | 46,138,000 | 47,633,000 | 51,172,000 |
| Equity capital | 11,719,000 | 12,090,000 | 12,317,000 | 12,456,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,041,000 | 4,224,000 | 6,535,000 | 8,974,000 |
| Interest expense | 360,000 | 790,000 | 1,278,000 | 1,908,000 |
| Net interest income | 1,681,000 | 3,434,000 | 5,257,000 | 7,066,000 |
| Noninterest income | 747,000 | 1,487,000 | 2,383,000 | 3,185,000 |
| Noninterest expense | 2,021,000 | 4,206,000 | 6,420,000 | 8,720,000 |
| Provision for loan losses | 0 | 0 | 80,000 | 80,000 |
| Pretax income | 407,000 | 715,000 | 1,140,000 | 1,451,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 402,000 | 710,000 | 1,135,000 | 1,446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,043,000 | 12,213,000 | 12,568,000 | 12,879,000 |
| Total capital | 12,963,000 | 13,133,000 | 13,469,000 | 13,775,000 |
| Risk-weighted assets | 121,126,000 | 125,601,000 | 127,003,000 | 128,500,000 |