Call reports 2012
NORTH SHORE BANK OF COMMERCE — 2012
What NORTH SHORE BANK OF COMMERCE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 232,923,000 | 228,536,000 | 232,847,000 | 236,603,000 |
| Total loans | 168,715,000 | 170,282,000 | 173,538,000 | 172,059,000 |
| Allowance for loan losses | 1,379,000 | 1,365,000 | 1,410,000 | 1,417,000 |
| Securities available for sale | 12,390,000 | 12,815,000 | 14,109,000 | 15,321,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,650,000 | 212,466,000 | 216,115,000 | 219,916,000 |
| Interest-bearing deposits | 154,658,000 | 152,030,000 | 153,587,000 | 151,110,000 |
| Noninterest-bearing deposits | 61,992,000 | 60,436,000 | 62,528,000 | 68,806,000 |
| Equity capital | 14,232,000 | 14,010,000 | 14,417,000 | 14,491,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,192,000 | 4,432,000 | 6,641,000 | 8,772,000 |
| Interest expense | 230,000 | 448,000 | 659,000 | 837,000 |
| Net interest income | 1,962,000 | 3,984,000 | 5,982,000 | 7,935,000 |
| Noninterest income | 1,182,000 | 2,439,000 | 4,261,000 | 5,820,000 |
| Noninterest expense | 2,534,000 | 5,242,000 | 8,085,000 | 11,017,000 |
| Provision for loan losses | 15,000 | 35,000 | 80,000 | 110,000 |
| Pretax income | 595,000 | 1,146,000 | 2,078,000 | 2,628,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 590,000 | 1,141,000 | 2,073,000 | 2,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,226,000 | 14,005,000 | 14,401,000 | 14,484,000 |
| Total capital | 15,605,000 | 15,370,000 | 15,811,000 | 15,901,000 |
| Risk-weighted assets | 137,621,000 | 138,249,000 | 141,271,000 | 139,503,000 |