North Shore Bank, FSB in Brookfield, Wisconsin (WI), IL
Overview, Financial Summary, Detailed Financial Reports, Branches


  • North Shore Bank, FSB in Brookfield, Wisconsin (WI), IL
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North Shore Bank, FSB - Overview

  • General
  • FDIC Certificate #: 28679
    Status: Active
    Federal Reserve ID: 376273
    Date Established: January 01, 1923
    WWW: http://www.northshorebank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 47 (Domestic: 47, Interstate: Yes)
    OTS Docket #: 2130
    FDIC's unique #: 41513
    Numeric code: 34
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 02, 1939
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 15700 West Bluemound Road, Brookfield, WI 53005
    County: Waukesha
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Milwaukee
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Milwaukee-Waukesha, WI (#5080)
    Consolidated Metropolitan Statistical Area (CMSA): Milwaukee-Racine, WI (#63)
    Combined Statistical Area (CSA): Milwaukee-Racine-Waukesha, WI (#376)
    Core Based Statistical Area (CBSA): Milwaukee-Waukesha-West Allis, WI (#33340)
    CBSA Metro Statistical Area: Milwaukee-Waukesha-West Allis, WI (#33340)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $1,769.3 mil
    Equity capital: $203.9 mil
    Deposits held in domestic offices: $1,357.7 mil
    Return on assets (ROA): -0.58% (-$10.3 mil)
    Quarterly return on assets: 0.32% ($5.7 mil)
    Return on Equity (ROE): -5.02% (-$10.2 mil)
    Quarterly return on equity: 2.79% ($5.7 mil)
    Net income: -$10.5 mil
    Quarterly Net income: $1.4 mil
    Pretax return on assets: -0.96% (-$16,985.8 mil)
    Quarterly Pretax return on assets: 0.53% ($9,377.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 472Total employees (full-time equivalent)
  • $1,769,349Total assets
  • $98,214Cash and due from depository institutions
  • $64,000Interest-bearing balances
  • $182,991Securities
  • $1,159Federal funds sold & reverse repurchase agreements
  • $1,357,550Net loans & leases
  • $19,154Loan loss allowance
  • $0Trading account assets
  • $37,084Bank premises and fixed assets
  • $16,929Other real estate owned
  • $30,454Goodwill and other intangibles
  • $1,769,349Life insurance assets
  • $44,968All other assets
  • $1,565,421Total liabilities and capital
  • $1,357,657Total liabilities
  • $1,272,785Total deposits
  • $1,357,657Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 24862.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $154,250Trading liabilities
  • $0Other borrowed funds
  • $28,652Subordinated debt
  • $203,928All other liabilities
  • $203,928Total equity capital
  • $203,928Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $203,928Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $63,395Income earned, not collected on loans
  • $0Earning assets
  • $4,819Long-term assets (5+ years)
  • $1,605,700Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $1,819,560Volatile liabilities
  • $1,779,724Insider loans
  • $1,241,347FHLB advances
  • $1,737,493Loans and leases held for sale
  • $6,558Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $180,001Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $293,944Restructured Loans and leases
  • $1,336Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $76,368Total interest income
  • $13,575Total interest expense
  • $62,793Net interest income
  • $28,145Provision for loan and lease losses
  • $14,657Total noninterest income
  • $0Fiduciary activities
  • $7,446Service charges on deposit accounts
  • $0Trading account gains & fees
  • $7,211Additional noninterest income
  • $66,850Total noninterest expense
  • $29,820Salaries and employee benefits
  • $14,166Premises and equipment expense
  • $22,864Additional noninterest expense
  • -$17,545Pre-tax net operating income
  • $0Securities gains (losses)
  • -$7,017Applicable income taxes
  • -$10,528Income before extraordinary items
  • $0Extraordinary gains - net
  • -$10,528Net income attributable to bank
  • $0Net charge-offs
  • -$10,528Cash dividends
  • $29,791Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.61%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 3.79%Net interest margin
  • 0.88%Noninterest income to earning assets
  • 4.03%Noninterest expense to earning assets
  • -0.58%Net operating income to assets
  • -0.58%Return on assets (ROA)
  • -0.96%Pretax return on assets
  • -5.02%Return on equity (ROE)
  • -5.02%Retained earnings to average equity (YTD only)
  • 2.12%Net charge-offs to loans
  • 94.47%Credit loss provision to net charge-offs
  • 0.36%Efficiency ratio
  • 85,473Assets per employee
  • 3.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 30.21%Noncurrent assets plus other real estate owned to assets
  • 4.54%Noncurrent loans to loans
  • 4.60%Net loans and leases to deposits
  • 99.99%Net loans and leases to core deposits
  • 101.24%Equity capital to assets
  • 11.53%Core capital (leverage) ratio
  • 10.38%Tier 1 risk-based capital ratio
  • 14.50%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $1,819,560Average earning assets
  • $209,778Average equity
  • $1,656,900Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    14456997Illinois State Bank/Branch1301 Pyott Road, Lake In The Hills, IL 60102September 19, 1996Full Service Brick and Mortar
    145444008Illinois State Bank Mchenry Branch1689 Curran Road, Mchenry, IL 60051June 30, 2005Full Service Brick and Mortar
  • 45 Wisconsin Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    041513North Shore Bank, Fsb15700 West Bluemound Road, Brookfield, WI 53005January 01, 1923Full Service Brick and Mortar
    12699439131 W Oklahoma Ave Branch9131 W Oklahoma Ave, Milwaukee, WI 53227January 01, 1923Full Service Brick and Mortar
    2269944600 East Green Tree Road Branch600 East Green Tree Road, Fox Point, WI 53217January 01, 1923Full Service Brick and Mortar
    42699468706 W North Ave Branch8706 W North Ave, Wauwatosa, WI 53226January 01, 1923Full Service Brick and Mortar
    52699424414 N Oakland Ave Branch4414 N Oakland Ave, Shorewood, WI 53211January 01, 1923Full Service Brick and Mortar
    10226994915830 W Capitol Dr Branch15830 W. Capitol Dr., Brookfield, WI 53005January 01, 1923Full Service Brick and Mortar
    1032699505900 N Port Washington Road Branch5800 N Bayshore Drive, Suite Q126, Glendale, WI 53217January 01, 1923Full Service Brick and Mortar
    1082699534923 Washington Ave Branch4923 Washington Ave, Racine, WI 53406January 01, 1923Full Service Brick and Mortar
    1092699543911 N Main St Branch3911 N Main St, Racine, WI 53402January 01, 1923Full Service Brick and Mortar
    111269956S Pine St Branch116 S Pine St, Burlington, WI 53105January 01, 1923Full Service Brick and Mortar
    1122699575723 Durand Branch5723 Durand Ave., Racine, WI 53406June 30, 1985Full Service Brick and Mortar
    115280183225 N Fifth Ave Branch225 N Fifth Ave, Sturgeon Bay, WI 54235January 01, 1919Full Service Brick and Mortar
    1162699602300 South Webster Avenue Branch2300 South Webster Avenue, Green Bay, WI 54301June 30, 1988Full Service Brick and Mortar
    119280186944 S Bay Shore Dr Branch2614 S. Bay Shore Dr., Sister Bay, WI 54234January 01, 1919Full Service Brick and Mortar
    121280188165 N Augustine St Branch165 N Augustine St, Pulaski, WI 54162January 01, 1919Full Service Brick and Mortar
    122280190209 Green Bay Rd Branch209 Green Bay Rd, Sturgeon Bay, WI 54235January 01, 1919Full Service Brick and Mortar
    1232699612215 S Oneida Branch2215 S Oneida St, Green Bay, WI 54307June 30, 1988Full Service Brick and Mortar
    1252699635101 S 76th St Branch5101 S 76th St, Greendale, WI 53129June 30, 1988Full Service Brick and Mortar
    1262699641200 W. Northland Ave. Branch1200 W. Northland Ave., Appleton, WI 54914May 31, 1990Full Service Brick and Mortar
    1272733524230 West Oklahoma Avenue Branch4230 West Oklahoma Avenue, Milwaukee, WI 53215January 01, 1925Full Service Brick and Mortar
    12842031East Branch3970 North Oakland Avenue, Milwaukee, WI 53211January 01, 1925Full Service Brick and Mortar
    1292733537927 West Capitol Drive Branch7927 West Capitol Drive, Milwaukee, WI 53222January 01, 1925Full Service Brick and Mortar
    13043289120 W Wisconsin Ave Branch120 W Wisconsin Ave, Pewaukee, WI 53072January 01, 1924Full Service Brick and Mortar
    133273357West Forest Home Avenue Branch5817 West Forest Home Avenue, Milwaukee, WI 53220November 30, 1982Full Service Brick and Mortar
    13643287West Allis Branch10533 West National Avenue, West Allis, WI 53227January 01, 1912Full Service Brick and Mortar
    138280453Union Grove Branch1101 Main Street, Union Grove, WI 53182January 01, 1912Full Service Brick and Mortar
    139280454Silver Spring Branch10600 West Silver Spring Drive, Milwaukee, WI 53225January 01, 1912Full Service Brick and Mortar
    140433602Depere Branch575 Swan Road, De Pere, WI 54115October 01, 2003Full Service Brick and Mortar
    141433603Lineville Road Branch2465 Lineville Road, Suite 2, De Pere, WI 54115October 01, 2002Full Service Brick and Mortar
    142433604West Burnham Branch1320 West Burnham, Milwaukee, WI 53204June 14, 2004Full Service Brick and Mortar
    143433605Oak Creek Branch8701 South Howell Avenue, Oak Creek, WI 53154October 01, 2004Full Service Brick and Mortar
    146495520Kenosha Branch6906 Green Bay Rd, Kenosha, WI 53142June 01, 1999Full Service Brick and Mortar
    147495544Franklin Branch7151 S 76th St, Franklin, WI 53132September 30, 2005Full Service Brick and Mortar
    1484955461900 N Martin Luther King Dr Branch1900 N Martin Luther King Dr, Milwaukee, WI 53212October 20, 1996Full Service Brick and Mortar
    1494955471100 W Northland Avenue Branch1100 W Northland Avenue, Appleton, WI 54914January 22, 2005Full Service Brick and Mortar
    151495669Grafton Bra Nch2301 Wisconsin Ave, Grafton, WI 53024November 22, 2008Full Service Brick and Mortar
    152495673Sussex BranchWest 249 N6600 Highway 164, Sussex, WI 53089October 25, 2006Full Service Brick and Mortar
    157446280Cudahy Branch3233 East Layton Avenue, Cudahy, WI 53110December 27, 2005Full Service Brick and Mortar
    158458866New Berlin Branch15505 West National Avenue, New Berlin, WI 53151January 03, 2007Full Service Brick and Mortar
    160469588Muskego BranchS74 W17095 Janesville Road, Muskego, WI 53150June 30, 2007Full Service Brick and Mortar
    163518641Main Street Branch1819 Main Street, Green Bay, WI 54302April 30, 2009Limited Service Retail
    164518672Mason Branch1483 W Mason St., Green Bay, WI 54303April 23, 2009Full Service Retail
    16551869110806 N. Port Washington Road10806 N. Port Washington Road, Mequon, WI 53092August 14, 2009Full Service Retail
    1665186921500 Appleton Rd. Branch1500 Appleton Rd., Menasha, WI 54952October 01, 1999Full Service Retail
    167522248Green Bay East Branch1819 Main Street, Green Bay, WI 54302December 31, 2010Full Service Brick and Mortar

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