Call reports 2013
NORTH SHORE BANK OF COMMERCE — 2013
What NORTH SHORE BANK OF COMMERCE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 237,099,000 | 228,778,000 | 237,195,000 | 236,094,000 |
| Total loans | 169,320,000 | 171,739,000 | 169,850,000 | 165,119,000 |
| Allowance for loan losses | 1,443,000 | 1,451,000 | 1,477,000 | 1,507,000 |
| Securities available for sale | 13,692,000 | 15,328,000 | 16,660,000 | 15,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,001,000 | 212,134,000 | 220,067,000 | 219,013,000 |
| Interest-bearing deposits | 153,369,000 | 150,465,000 | 153,183,000 | 151,452,000 |
| Noninterest-bearing deposits | 66,632,000 | 61,669,000 | 66,884,000 | 67,561,000 |
| Equity capital | 14,871,000 | 14,437,000 | 14,906,000 | 14,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,078,000 | 4,155,000 | 6,292,000 | 8,343,000 |
| Interest expense | 127,000 | 242,000 | 356,000 | 463,000 |
| Net interest income | 1,951,000 | 3,913,000 | 5,936,000 | 7,880,000 |
| Noninterest income | 1,512,000 | 3,024,000 | 4,612,000 | 5,883,000 |
| Noninterest expense | 2,705,000 | 5,522,000 | 8,357,000 | 11,221,000 |
| Provision for loan losses | 30,000 | 40,000 | 70,000 | 100,000 |
| Pretax income | 728,000 | 1,375,000 | 2,121,000 | 2,442,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 723,000 | 1,370,000 | 2,116,000 | 2,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,856,000 | 14,459,000 | 14,905,000 | 14,926,000 |
| Total capital | 16,299,000 | 15,910,000 | 16,382,000 | 16,433,000 |
| Risk-weighted assets | 136,912,000 | 141,917,000 | 143,293,000 | 141,352,000 |