Call reports 2015
NORTH SHORE BANK OF COMMERCE — 2015
What NORTH SHORE BANK OF COMMERCE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 240,982,000 | 243,196,000 | 246,435,000 | 252,666,000 |
| Total loans | 167,981,000 | 177,270,000 | 179,913,000 | 184,653,000 |
| Allowance for loan losses | 1,395,000 | 1,424,000 | 1,454,000 | 1,485,000 |
| Securities available for sale | 29,580,000 | 26,688,000 | 23,545,000 | 25,070,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,220,000 | 225,736,000 | 225,942,000 | 232,012,000 |
| Interest-bearing deposits | 146,265,000 | 146,168,000 | 147,104,000 | 146,325,000 |
| Noninterest-bearing deposits | 76,955,000 | 79,568,000 | 78,838,000 | 85,687,000 |
| Equity capital | 15,444,000 | 15,318,000 | 15,883,000 | 16,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,010,000 | 4,117,000 | 6,298,000 | 8,481,000 |
| Interest expense | 77,000 | 149,000 | 231,000 | 324,000 |
| Net interest income | 1,933,000 | 3,968,000 | 6,067,000 | 8,157,000 |
| Noninterest income | 1,399,000 | 3,094,000 | 4,984,000 | 6,520,000 |
| Noninterest expense | 2,785,000 | 5,801,000 | 8,862,000 | 11,969,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 517,000 | 1,201,000 | 2,099,000 | 2,588,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 513,000 | 1,197,000 | 2,095,000 | 2,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,359,000 | 15,300,000 | 15,816,000 | 16,098,000 |
| Total capital | 16,267,000 | 16,724,000 | 17,270,000 | 17,583,000 |
| Risk-weighted assets | 131,404,000 | 147,329,000 | 149,913,000 | 154,047,000 |