Call reports 2011
NORTH SHORE BANK OF COMMERCE — 2011
What NORTH SHORE BANK OF COMMERCE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 209,537,000 | 216,981,000 | 229,325,000 | 226,362,000 |
| Total loans | 165,669,000 | 170,981,000 | 173,194,000 | 172,402,000 |
| Allowance for loan losses | 1,371,000 | 1,373,000 | 1,389,000 | 1,408,000 |
| Securities available for sale | 14,665,000 | 14,055,000 | 13,080,000 | 12,419,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,188,000 | 198,799,000 | 209,911,000 | 210,344,000 |
| Interest-bearing deposits | 141,272,000 | 140,495,000 | 148,523,000 | 149,151,000 |
| Noninterest-bearing deposits | 49,916,000 | 58,304,000 | 61,388,000 | 61,193,000 |
| Equity capital | 13,763,000 | 14,050,000 | 14,204,000 | 14,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,288,000 | 4,589,000 | 6,933,000 | 9,226,000 |
| Interest expense | 258,000 | 487,000 | 731,000 | 969,000 |
| Net interest income | 2,030,000 | 4,102,000 | 6,202,000 | 8,257,000 |
| Noninterest income | 987,000 | 2,140,000 | 3,323,000 | 4,569,000 |
| Noninterest expense | 2,614,000 | 5,269,000 | 7,901,000 | 10,786,000 |
| Provision for loan losses | 0 | 20,000 | 50,000 | 70,000 |
| Pretax income | 403,000 | 953,000 | 1,574,000 | 1,970,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 398,000 | 948,000 | 1,569,000 | 1,965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,653,000 | 13,962,000 | 14,159,000 | 14,036,000 |
| Total capital | 15,024,000 | 15,335,000 | 15,548,000 | 15,444,000 |
| Risk-weighted assets | 137,120,000 | 139,920,000 | 141,410,000 | 140,814,000 |