Call reports 2017
NORTH SHORE BANK OF COMMERCE — 2017
What NORTH SHORE BANK OF COMMERCE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 266,122,000 | 271,514,000 | 273,871,000 | 282,874,000 |
| Total loans | 175,262,000 | 188,364,000 | 188,233,000 | 180,370,000 |
| Allowance for loan losses | 1,535,000 | 1,600,000 | 1,690,000 | 1,601,000 |
| Securities available for sale | 27,123,000 | 30,364,000 | 33,518,000 | 36,635,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,511,000 | 244,963,000 | 246,579,000 | 255,618,000 |
| Interest-bearing deposits | 158,809,000 | 160,117,000 | 156,723,000 | 161,919,000 |
| Noninterest-bearing deposits | 85,702,000 | 84,846,000 | 89,856,000 | 93,699,000 |
| Equity capital | 16,917,000 | 21,786,000 | 22,412,000 | 22,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,205,000 | 4,527,000 | 6,990,000 | 9,457,000 |
| Interest expense | 90,000 | 182,000 | 275,000 | 366,000 |
| Net interest income | 2,115,000 | 4,345,000 | 6,715,000 | 9,091,000 |
| Noninterest income | 1,618,000 | 3,330,000 | 5,327,000 | 7,099,000 |
| Noninterest expense | 3,003,000 | 6,181,000 | 9,531,000 | 12,968,000 |
| Provision for loan losses | 40,000 | 110,000 | 200,000 | 260,000 |
| Pretax income | 690,000 | 1,384,000 | 2,308,000 | 2,959,000 |
| Income tax | 6,000 | 6,000 | 6,000 | 6,000 |
| Net income | 684,000 | 1,378,000 | 2,302,000 | 2,953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,134,000 | 21,907,000 | 22,570,000 | 22,889,000 |
| Total capital | 18,669,000 | 23,507,000 | 24,260,000 | 24,490,000 |
| Risk-weighted assets | 152,614,000 | 161,697,000 | 161,755,000 | 158,259,000 |