Call reports 2018
NORTH SHORE BANK OF COMMERCE — 2018
What NORTH SHORE BANK OF COMMERCE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 267,960,000 | 270,401,000 | 274,922,000 | 276,484,000 |
| Total loans | 177,958,000 | 187,107,000 | 194,946,000 | 186,228,000 |
| Allowance for loan losses | 1,724,000 | 1,800,000 | 1,899,000 | 1,797,000 |
| Securities available for sale | 38,981,000 | 38,661,000 | 37,563,000 | 39,253,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,190,000 | 244,518,000 | 247,956,000 | 249,431,000 |
| Interest-bearing deposits | 153,772,000 | 154,191,000 | 152,235,000 | 151,271,000 |
| Noninterest-bearing deposits | 87,418,000 | 90,327,000 | 95,721,000 | 98,160,000 |
| Equity capital | 22,095,000 | 21,651,000 | 22,447,000 | 23,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,447,000 | 4,981,000 | 8,151,000 | 11,085,000 |
| Interest expense | 90,000 | 178,000 | 292,000 | 428,000 |
| Net interest income | 2,357,000 | 4,803,000 | 7,859,000 | 10,657,000 |
| Noninterest income | 1,670,000 | 3,377,000 | 5,118,000 | 6,662,000 |
| Noninterest expense | 3,255,000 | 6,550,000 | 10,066,000 | 13,424,000 |
| Provision for loan losses | 125,000 | 200,000 | 300,000 | 375,000 |
| Pretax income | 647,000 | 1,430,000 | 2,611,000 | 3,520,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 643,000 | 1,426,000 | 2,607,000 | 3,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,959,000 | 22,640,000 | 23,616,000 | 24,141,000 |
| Total capital | 24,683,000 | 24,440,000 | 25,515,000 | 25,938,000 |
| Risk-weighted assets | 156,270,000 | 161,408,000 | 163,703,000 | 160,521,000 |