Call reports 2010
NORTH SHORE BANK OF COMMERCE — 2010
What NORTH SHORE BANK OF COMMERCE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 213,215,000 | 214,372,000 | 221,591,000 | 211,011,000 |
| Total loans | 168,059,000 | 177,904,000 | 181,940,000 | 171,372,000 |
| Allowance for loan losses | 1,313,000 | 1,560,000 | 1,490,000 | 1,417,000 |
| Securities available for sale | 18,882,000 | 18,826,000 | 17,793,000 | 15,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,188,000 | 192,575,000 | 203,667,000 | 193,116,000 |
| Interest-bearing deposits | 147,000,000 | 145,896,000 | 151,918,000 | 138,200,000 |
| Noninterest-bearing deposits | 49,188,000 | 46,679,000 | 51,749,000 | 54,916,000 |
| Equity capital | 13,665,000 | 13,483,000 | 14,364,000 | 14,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,488,000 | 5,033,000 | 7,631,000 | 10,074,000 |
| Interest expense | 367,000 | 727,000 | 1,066,000 | 1,375,000 |
| Net interest income | 2,121,000 | 4,306,000 | 6,565,000 | 8,699,000 |
| Noninterest income | 1,025,000 | 2,095,000 | 3,426,000 | 4,975,000 |
| Noninterest expense | 2,556,000 | 5,294,000 | 7,967,000 | 11,021,000 |
| Provision for loan losses | 60,000 | 310,000 | 310,000 | 310,000 |
| Pretax income | 530,000 | 797,000 | 1,714,000 | 2,343,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 525,000 | 792,000 | 1,709,000 | 2,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,393,000 | 13,217,000 | 14,134,000 | 13,955,000 |
| Total capital | 14,706,000 | 14,777,000 | 15,624,000 | 15,372,000 |
| Risk-weighted assets | 141,076,000 | 146,460,000 | 148,291,000 | 141,692,000 |