Call reports 2021
NORTH SHORE BANK OF COMMERCE — 2021
What NORTH SHORE BANK OF COMMERCE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 384,742,000 | 403,966,000 | 398,669,000 | 410,662,000 |
| Total loans | 279,208,000 | 312,705,000 | 313,543,000 | 311,858,000 |
| Allowance for loan losses | 2,824,000 | 2,943,000 | 2,942,000 | 2,943,000 |
| Securities available for sale | 45,766,000 | 44,376,000 | 42,055,000 | 39,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 107,000 | 0 | 151,000 |
| Total deposits | 343,065,000 | 343,416,000 | 350,428,000 | 369,544,000 |
| Interest-bearing deposits | 196,810,000 | 204,165,000 | 205,320,000 | 214,114,000 |
| Noninterest-bearing deposits | 146,255,000 | 139,251,000 | 145,108,000 | 155,430,000 |
| Equity capital | 40,481,000 | 39,406,000 | 40,178,000 | 40,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,748,000 | 7,722,000 | 11,633,000 | 15,444,000 |
| Interest expense | 83,000 | 160,000 | 246,000 | 337,000 |
| Net interest income | 3,665,000 | 7,562,000 | 11,387,000 | 15,107,000 |
| Noninterest income | 3,914,000 | 5,737,000 | 8,023,000 | 10,255,000 |
| Noninterest expense | 4,536,000 | 8,683,000 | 13,560,000 | 18,538,000 |
| Provision for loan losses | 130,000 | 250,000 | 250,000 | 250,000 |
| Pretax income | 2,913,000 | 4,366,000 | 5,600,000 | 6,574,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,913,000 | 4,366,000 | 5,600,000 | 6,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,520,000 | 38,498,000 | 39,180,000 | 39,603,000 |