Call reports 2025
NORTH SHORE BANK OF COMMERCE — 2025
What NORTH SHORE BANK OF COMMERCE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 537,091,000 | 551,802,000 | 565,300,000 | 582,836,000 |
| Total loans | 421,189,000 | 429,584,000 | 440,754,000 | 439,826,000 |
| Allowance for loan losses | 2,393,000 | 2,510,000 | 2,630,000 | 2,710,000 |
| Securities available for sale | 53,682,000 | 54,730,000 | 54,185,000 | 53,687,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 451,391,000 | 467,617,000 | 478,143,000 | 493,396,000 |
| Interest-bearing deposits | 315,493,000 | 337,551,000 | 340,623,000 | 353,966,000 |
| Noninterest-bearing deposits | 135,898,000 | 130,066,000 | 137,520,000 | 139,430,000 |
| Equity capital | 47,720,000 | 45,518,000 | 48,214,000 | 50,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,141,000 | 14,746,000 | 22,849,000 | 31,113,000 |
| Interest expense | 2,253,000 | 4,640,000 | 7,158,000 | 9,628,000 |
| Net interest income | 4,888,000 | 10,106,000 | 15,691,000 | 21,485,000 |
| Noninterest income | 2,587,000 | 5,732,000 | 8,601,000 | 11,691,000 |
| Noninterest expense | 5,873,000 | 12,033,000 | 18,167,000 | 24,078,000 |
| Provision for loan losses | 192,000 | 312,000 | 432,000 | 512,000 |
| Pretax income | 1,410,000 | 3,493,000 | 5,703,000 | 8,556,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,410,000 | 3,493,000 | 5,703,000 | 8,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,283,000 | 48,105,000 | 49,698,000 | 52,016,000 |