Institution Statistics
| North Shore Community Bank & Trust Company | | FDIC Certificate # | 33935 | | BankRate Report | View | | Year Established | 1994 | | Employees | 319 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $1.82 billion | | Loans | $1.44 billion | | Deposits | $1.53 billion | | Equity Capital | $137.41 million | | Loan Loss Allowance | $14.66 million | | Unbacked Noncurrent Loans | $9.58 million | | Real Estate Owned | $954,000 |
Historic Data - March 2011 | | Assets | $1.47 billion | | Equity Capital | $124.47 million | | Loan Loss Allowance | $12.37 million | | Unbacked Noncurrent Loans | $7.93 million | | Real Estate Owned | $4.31 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.38% | | Return on Assets | 0.96% | | Return on Equity | 12.65% | | Interest Income | $16.58 million |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 North Shore Community Bank & Trust Company had $10.54 million in non-current loans and owned real-estate with $152.06 million in equity and loan loss allowances on hand to cover it. This gives North Shore Community Bank & Trust Company a Texas Ratio of 6.93% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for North Shore Community Bank & Trust Company decreased slightly from 8.94% as of March 31, 2011 to 6.93% as of March 31, 2012, resulting in a positive change of 22.53%.This indicates that the balance sheet and financial strength for North Shore Community Bank & Trust Company has improved slightly in recent periods. | | Deposit Growth | | | In the past year, North Shore Community Bank & Trust Company has increased its total deposits by $330.43 million, resulting in 27.66% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth North Shore Community Bank & Trust Company has shown is excellent. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. North Shore Community Bank & Trust Company has $1.82 billion in assets with $152.06 million in equity, resulting in a capitalization level of 8.36%, which is average. |
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