Call reports 2019
NORTH SHORE BANK OF COMMERCE — 2019
What NORTH SHORE BANK OF COMMERCE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 272,443,000 | 274,858,000 | 288,143,000 | 286,645,000 |
| Total loans | 184,230,000 | 190,826,000 | 199,907,000 | 206,032,000 |
| Allowance for loan losses | 1,888,000 | 1,978,000 | 2,070,000 | 2,159,000 |
| Securities available for sale | 39,008,000 | 37,937,000 | 35,862,000 | 33,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,935,000 | 246,680,000 | 259,278,000 | 258,401,000 |
| Interest-bearing deposits | 151,663,000 | 150,015,000 | 158,319,000 | 155,610,000 |
| Noninterest-bearing deposits | 93,272,000 | 96,665,000 | 100,959,000 | 102,791,000 |
| Equity capital | 23,786,000 | 24,318,000 | 25,153,000 | 25,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,928,000 | 6,124,000 | 9,488,000 | 12,669,000 |
| Interest expense | 150,000 | 317,000 | 511,000 | 714,000 |
| Net interest income | 2,778,000 | 5,807,000 | 8,977,000 | 11,955,000 |
| Noninterest income | 1,563,000 | 3,394,000 | 5,394,000 | 7,249,000 |
| Noninterest expense | 3,317,000 | 6,892,000 | 10,593,000 | 14,344,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 934,000 | 2,129,000 | 3,569,000 | 4,561,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 934,000 | 2,129,000 | 3,569,000 | 4,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,050,000 | 23,883,000 | 24,717,000 | 25,146,000 |
| Total capital | 25,938,000 | 25,861,000 | 26,787,000 | 27,305,000 |
| Risk-weighted assets | 155,965,000 | 171,358,000 | 171,403,000 | 176,550,000 |