Call reports 2009
NORTH SHORE BANK OF COMMERCE — 2009
What NORTH SHORE BANK OF COMMERCE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 200,417,000 | 214,469,000 | 213,211,000 | 215,677,000 |
| Total loans | 160,932,000 | 171,624,000 | 168,969,000 | 171,179,000 |
| Allowance for loan losses | 1,083,000 | 1,141,000 | 1,199,000 | 1,257,000 |
| Securities available for sale | 19,087,000 | 19,174,000 | 19,179,000 | 19,109,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,359,000 | 194,949,000 | 194,345,000 | 198,239,000 |
| Interest-bearing deposits | 135,280,000 | 144,369,000 | 145,840,000 | 147,136,000 |
| Noninterest-bearing deposits | 45,079,000 | 50,580,000 | 48,505,000 | 51,103,000 |
| Equity capital | 13,795,000 | 13,868,000 | 14,096,000 | 14,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,635,000 | 5,297,000 | 7,914,000 | 10,441,000 |
| Interest expense | 548,000 | 1,072,000 | 1,585,000 | 2,033,000 |
| Net interest income | 2,087,000 | 4,225,000 | 6,329,000 | 8,408,000 |
| Noninterest income | 1,112,000 | 2,336,000 | 3,404,000 | 4,462,000 |
| Noninterest expense | 2,400,000 | 5,079,000 | 7,672,000 | 10,542,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 739,000 | 1,362,000 | 1,881,000 | 2,088,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 734,000 | 1,357,000 | 1,876,000 | 2,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,303,000 | 13,409,000 | 13,644,000 | 13,701,000 |
| Total capital | 14,386,000 | 14,550,000 | 14,843,000 | 14,958,000 |
| Risk-weighted assets | 136,838,000 | 143,026,000 | 140,413,000 | 142,892,000 |