Call reports 2014
NORTH SHORE BANK OF COMMERCE — 2014
What NORTH SHORE BANK OF COMMERCE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 238,198,000 | 236,503,000 | 243,356,000 | 245,076,000 |
| Total loans | 162,224,000 | 167,761,000 | 170,791,000 | 166,891,000 |
| Allowance for loan losses | 1,506,000 | 1,516,000 | 1,472,000 | 1,447,000 |
| Securities available for sale | 22,039,000 | 26,392,000 | 27,431,000 | 28,379,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,141,000 | 219,469,000 | 225,565,000 | 226,493,000 |
| Interest-bearing deposits | 151,128,000 | 149,662,000 | 151,467,000 | 146,108,000 |
| Noninterest-bearing deposits | 70,013,000 | 69,807,000 | 74,098,000 | 80,385,000 |
| Equity capital | 14,828,000 | 14,661,000 | 15,178,000 | 15,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,950,000 | 4,001,000 | 6,130,000 | 8,214,000 |
| Interest expense | 99,000 | 194,000 | 290,000 | 384,000 |
| Net interest income | 1,851,000 | 3,807,000 | 5,840,000 | 7,830,000 |
| Noninterest income | 1,222,000 | 2,515,000 | 4,060,000 | 5,437,000 |
| Noninterest expense | 2,665,000 | 5,470,000 | 8,390,000 | 11,316,000 |
| Provision for loan losses | 30,000 | 40,000 | 50,000 | 80,000 |
| Pretax income | 378,000 | 812,000 | 1,460,000 | 1,871,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 376,000 | 810,000 | 1,458,000 | 1,869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,877,000 | 14,676,000 | 15,209,000 | 15,325,000 |
| Total capital | 16,383,000 | 16,192,000 | 16,681,000 | 16,772,000 |
| Risk-weighted assets | 141,162,000 | 146,453,000 | 148,885,000 | 146,433,000 |