Call reports 2016
NORTH SHORE BANK OF COMMERCE — 2016
What NORTH SHORE BANK OF COMMERCE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 248,215,000 | 255,801,000 | 261,677,000 | 266,713,000 |
| Total loans | 174,046,000 | 181,485,000 | 181,867,000 | 182,645,000 |
| Allowance for loan losses | 1,526,000 | 1,402,000 | 1,571,000 | 1,495,000 |
| Securities available for sale | 22,559,000 | 20,588,000 | 20,215,000 | 25,077,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,380,000 | 234,223,000 | 239,261,000 | 246,445,000 |
| Interest-bearing deposits | 143,285,000 | 149,322,000 | 151,904,000 | 155,472,000 |
| Noninterest-bearing deposits | 85,095,000 | 84,901,000 | 87,357,000 | 90,973,000 |
| Equity capital | 16,539,000 | 16,248,000 | 16,919,000 | 16,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,131,000 | 4,310,000 | 6,544,000 | 8,764,000 |
| Interest expense | 87,000 | 174,000 | 267,000 | 360,000 |
| Net interest income | 2,044,000 | 4,136,000 | 6,277,000 | 8,404,000 |
| Noninterest income | 2,533,000 | 4,371,000 | 6,549,000 | 8,338,000 |
| Noninterest expense | 2,559,000 | 5,569,000 | 8,733,000 | 12,049,000 |
| Provision for loan losses | 65,000 | 95,000 | 275,000 | 400,000 |
| Pretax income | 1,953,000 | 2,843,000 | 3,818,000 | 4,293,000 |
| Income tax | 6,000 | 6,000 | 6,000 | 6,000 |
| Net income | 1,947,000 | 2,837,000 | 3,812,000 | 4,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,501,000 | 16,160,000 | 16,849,000 | 17,000,000 |
| Total capital | 18,027,000 | 17,562,000 | 18,420,000 | 18,495,000 |
| Risk-weighted assets | 143,998,000 | 153,652,000 | 153,467,000 | 154,283,000 |