Call reports 2006
NORTH SHORE BANK OF COMMERCE — 2006
What NORTH SHORE BANK OF COMMERCE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 177,317,000 | 179,700,000 | 184,044,000 | 190,097,000 |
| Total loans | 139,478,000 | 142,938,000 | 148,062,000 | 145,389,000 |
| Allowance for loan losses | 896,000 | 897,000 | 897,000 | 890,000 |
| Securities available for sale | 22,887,000 | 20,787,000 | 20,956,000 | 19,202,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,819,000 | 159,031,000 | 162,760,000 | 174,121,000 |
| Interest-bearing deposits | 109,077,000 | 113,990,000 | 119,362,000 | 123,022,000 |
| Noninterest-bearing deposits | 42,742,000 | 45,041,000 | 43,398,000 | 51,099,000 |
| Equity capital | 11,694,000 | 11,576,000 | 12,069,000 | 12,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,410,000 | 4,939,000 | 7,681,000 | 10,577,000 |
| Interest expense | 722,000 | 1,478,000 | 2,353,000 | 3,357,000 |
| Net interest income | 1,688,000 | 3,461,000 | 5,328,000 | 7,220,000 |
| Noninterest income | 731,000 | 1,495,000 | 2,282,000 | 3,131,000 |
| Noninterest expense | 2,084,000 | 4,302,000 | 6,515,000 | 8,927,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 335,000 | 654,000 | 1,095,000 | 1,324,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 330,000 | 649,000 | 1,090,000 | 1,319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,139,000 | 12,094,000 | 12,390,000 | 12,620,000 |
| Total capital | 13,035,000 | 12,991,000 | 13,287,000 | 13,510,000 |
| Risk-weighted assets | 129,264,000 | 129,214,000 | 131,991,000 | 132,277,000 |