North Shore Bank Fsb Mortgage Rates, Fees & Info

Brookfield, WI

LEI: 254900PST6LLDPCKSN83

Tax ID: 39-0506400

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    North Shore Bank Fsb is a smaller bank specializing in Home Purchase loans. North Shore Bank Fsb has a high proportion of conventional loans. Their top markets by origination volume include: Milwaukee, Stevens Point, Chicago, Wausau, and Green Bay among others. We have data for 24 markets. (Some data included below & more in-depth data is available with an active subscription.)

    North Shore Bank Fsb has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. North Shore Bank Fsb is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 5.56% 4/21/24
    30 Year Conventional Purchase 6.56% 4/21/24
    30 Year Conventional Refi 6.42% 4/21/24
    30 Year Cash-out Refi 6.66% 4/21/24
    30 Year VA Purchase 6.20% 4/21/24
    15 Year Conventional Purchase 5.98% 4/21/24
    15 Year Conventional Refi 6.12% 4/21/24
    15 Year Cash-out Refi 6.12% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    North Shore Bank Fsb Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from North Shore Bank Fsb. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,077

    Origination Dollar Volume (All Markets)

    $318,775,000

    Employee count

    466 Show all (10) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 565 $92,105,000 $163,018 $2,041 4.17%
    Outside of Metro Areas 105 $42,555,000 $405,286 $2,024 4.03%
    Stevens Point, WI (FHA|USDA|VA) 7 $31,925,000 $4,560,714 $0 4.43%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 74 $27,070,000 $365,811 $2,280 3.95%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 5 $25,045,000 $5,009,000 $0 4.38%
    GREEN BAY, WI (FHA|USDA|VA) 111 $23,615,000 $212,748 $2,082 4.07%
    RACINE, WI (FHA|USDA|VA) 110 $18,210,000 $165,545 $1,980 4.46%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 3 $15,095,000 $5,031,667 $0 4.25%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 8 $9,540,000 $1,192,500 $1,572 4.62%
    APPLETON, WI (FHA|USDA|VA) 29 $8,465,000 $291,897 $1,832 4.08%
    Manitowoc, WI (FHA|USDA|VA) 4 $7,250,000 $1,812,500 $0 3.93%
    Whitewater, WI (FHA|USDA|VA) 18 $5,620,000 $312,222 $2,464 4.37%
    Beaver Dam, WI (FHA|USDA|VA) 8 $4,180,000 $522,500 $0 4.81%
    FOND DU LAC, WI (FHA|USDA|VA) 3 $1,535,000 $511,667 $1,614 4.38%
    Shawano, WI (FHA|USDA|VA) 10 $1,460,000 $146,000 $2,076 3.53%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $1,165,000 $1,165,000 $0 4.75%
    MADISON, WI (FHA|USDA|VA) 1 $855,000 $855,000 $0 4.38%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 6 $830,000 $138,333 $1,923 3.79%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $780,000 $390,000 $2,438 4.69%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $705,000 $705,000 $0 4.75%
    SHEBOYGAN, WI (FHA|USDA|VA) 2 $340,000 $170,000 $0 3.43%
    Marinette, WI-MI (FHA|USDA|VA) 2 $250,000 $125,000 $1,989 5.06%
    Platteville, WI (FHA|USDA|VA) 1 $165,000 $165,000 $2,199 3.75%
    Iron Mountain, MI-WI (FHA|USDA|VA) 1 $15,000 $15,000 $0 7.00%
    North Shore Bank Fsb's top markets include Milwaukee, Stevens Point, Chicago, Wausau, and Green Bay among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against North Shore Bank FSB based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    AppleTree Credit Union
    Similarity Rank: 10
    NORTHWESTERN MUTUAL
    Similarity Rank: 12
    UNITED
    Similarity Rank: 28
    UNISON CREDIT UNION
    Similarity Rank: 28
    PCM
    Similarity Rank: 66
    Liberty Bank for Savings
    Similarity Rank: 104
    Kohler Credit Union
    Similarity Rank: 128
    Empower Credit Union
    Similarity Rank: 135
    HERITAGE CREDIT UNION
    Similarity Rank: 143
    CAPITAL Credit Union
    Similarity Rank: 192

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 571 $279,125,000 $488,835 $2,015 4.39%
    HELOC 493 $36,325,000 $73,682 n/a 3.91%
    VA 13 $3,325,000 $255,769 $3,422 4.27%

    For 2018, North Shore Bank Fsb's most frequently originated type of loan was Conventional, with 571 originations. Their 2nd most popular type was HELOC, with 493 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 401 $230,335,000 $574,401 $2,138 4.34%
    Refi 306 $53,420,000 $174,575 $1,826 4.21%
    Other 157 $8,245,000 $52,516 $0 3.57%
    Home Improvement 111 $6,215,000 $55,991 $2,676 4.02%
    Cash Out Refi 102 $20,560,000 $201,569 $1,938 4.43%

    For 2018, North Shore Bank Fsb's most frequently cited loan purpose was Home Purchase, with 401 originations. The 2nd most popular reason was Refi, with 306 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 596 $190,490,000 $319,614 $1,830 3.99%
    30 Year 396 $89,110,000 $225,025 $2,075 4.40%
    15 Year 52 $7,920,000 $152,308 $1,966 4.16%
    20 Year 21 $3,855,000 $183,571 $2,013 4.54%
    Other 10 $24,470,000 $2,447,000 $0 4.64%
    3 Year 1 $2,565,000 $2,565,000 $0 3.88%
    5 Year 1 $365,000 $365,000 $0 6.00%

    For 2018, North Shore Bank Fsb's most frequently cited loan duration was 10 Year, with 596 originations. The 2nd most popular length was 30 Year, with 396 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 446 $94,910,000 $212,803
    $1k-2k 29 $5,605,000 $193,276
    $2k-3k 7 $1,335,000 $190,714
    $3k-4k 3 $675,000 $225,000

    North Shore Bank Fsb's average total fees were $2,075, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 446 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 382 $225,870,000 $591,283
    <2.5% 255 $18,735,000 $73,471
    5-6% 172 $19,030,000 $110,640
    3-4% 142 $45,930,000 $323,451
    6-7% 112 $6,690,000 $59,732
    2.5-3% 8 $2,110,000 $263,750
    7-8% 5 $125,000 $25,000
    % 1 $285,000 $285,000

    During 2018, North Shore Bank Fsb's average interest rate for loans was 4.40%, while their most frequently originated rate bucket for loans was 4-5%, with 382 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 416 $21,900,000 $52,644 $1,898 3.93%
    $100k-200k 377 $50,865,000 $134,920 $1,969 4.28%
    $200k-400k 191 $51,775,000 $271,073 $2,085 4.35%
    $1MM+ 41 $164,195,000 $4,004,756 $3,549 4.42%
    $400k-600k 32 $15,240,000 $476,250 $2,673 4.30%
    $600k-1MM 20 $14,800,000 $740,000 $2,692 4.39%

    2018 saw North Shore Bank Fsb place emphasis on $100,000 or less loans with 416 originations, totaling $21,900,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 234 $24,650,000 $105,342 $1,925 4.15%
    $100k-150k 215 $33,685,000 $156,674 $2,079 4.05%
    $75k-100k 200 $26,690,000 $133,450 $2,144 4.31%
    $50k or less 174 $14,530,000 $83,506 $1,979 4.13%
    $150k-250k 115 $22,885,000 $199,000 $2,082 4.03%
    $250k+ 43 $13,615,000 $316,628 $2,324 3.98%

    North Shore Bank Fsb lent most frequently to those with incomes in the $50k-75k range, with 234 originations. The second most popular income band? $100k-150k, with 215 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 212 $25,020,000 $118,019 $2,051 4.23%
    30-36% 190 $25,410,000 $133,737 $1,970 3.88%
    <20% 85 $9,715,000 $114,294 $1,787 3.74%
    43% 49 $6,975,000 $142,347 $2,423 4.63%
    36% 46 $5,140,000 $111,739 $1,870 4.37%
    37% 40 $4,600,000 $115,000 $1,976 3.86%
    39% 40 $4,850,000 $121,250 $1,948 4.31%
    40% 40 $8,180,000 $204,500 $1,994 4.26%
    44% 39 $5,465,000 $140,128 $2,034 4.12%
    41% 38 $5,370,000 $141,316 $1,961 3.93%
    42% 36 $4,100,000 $113,889 $2,549 4.02%
    45% 34 $4,140,000 $121,765 $2,091 4.59%
    38% 29 $4,065,000 $140,172 $2,066 4.30%
    50-60% 23 $6,155,000 $267,609 $2,068 4.07%
    46% 17 $4,025,000 $236,765 $2,068 4.50%
    49% 17 $2,975,000 $175,000 $2,425 4.32%
    47% 15 $3,205,000 $213,667 $2,310 4.61%
    >60% 12 $2,870,000 $239,167 $2,256 4.10%
    48% 12 $2,340,000 $195,000 $1,905 4.15%

    North Shore Bank Fsb lent most frequently to those with DTI ratios of 20-30%, with 212 originations. The next most common DTI ratio? 30-36%, with 190 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 94 $181,850,000 $1,934,574 $2,659 4.47%
    White 906 $125,290,000 $138,289 $2,024 4.11%
    Not provided 38 $7,070,000 $186,053 $2,301 4.02%
    Asian 17 $2,075,000 $122,059 $1,966 5.01%
    Black 17 $1,745,000 $102,647 $2,484 4.90%
    Other Asian 3 $675,000 $225,000 $0 4.75%
    Asian Indian 1 $45,000 $45,000 $2,105 4.38%
    American Indian 1 $25,000 $25,000 $0 7.25%

    Approval Rates

    Total approvals of all applications
    70.35%

    North Shore Bank Fsb has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    87.09%

    North Shore Bank Fsb has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,077 $318,775,000 $295,984

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 68 $172,860,000 $2,542,059
    Single Family (1-4 Units):Manufactured 2 $140,000 $70,000
    Single Family (1-4 Units):Site-Built 1,007 $145,775,000 $144,762

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 196 $16,550,000 $84,439 $1,809 4.06%
    40-60% 155 $25,265,000 $163,000 $2,011 4.11%
    60-80% 318 $186,420,000 $586,226 $1,998 4.27%
    80-100% 206 $78,850,000 $382,767 $2,174 4.39%
    Under 20% 201 $11,525,000 $57,338 $1,459 3.92%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    North Shore Bank, FSB 3911 N Main St Racine, WI 53402 Full Service B&M $28,828
    North Shore Bank, FSB 10533 West National Avenue West Allis, WI 53227 Full Service B&M $31,948
    North Shore Bank, FSB 10600 West Silver Spring Drive Milwaukee, WI 53225 Full Service B&M $13,966
    North Shore Bank, FSB 10806 N. Port Washington Road Mequon, WI 53092 Full Service Retail $38,719
    North Shore Bank, FSB 1100 W Northland Avenue Appleton, WI 54914 Full Service B&M $42,167
    North Shore Bank, FSB 1101 Main Street Union Grove, WI 53182 Full Service B&M $26,341
    North Shore Bank, FSB 116 S Pine St Burlington, WI 53105 Full Service B&M $28,824
    North Shore Bank, FSB 120 W Wisconsin Ave Pewaukee, WI 53072 Full Service B&M $59,183
    North Shore Bank, FSB 1301 Pyott Road Lake In The Hills, IL 60102 Full Service B&M $18,448
    North Shore Bank, FSB 1320 West Burnham Milwaukee, WI 53204 Full Service B&M $12,543
    North Shore Bank, FSB 1500 Appleton Rd. Menasha, WI 54952 Full Service Retail $22,814
    North Shore Bank, FSB 15505 West National Avenue New Berlin, WI 53151 Full Service B&M $63,184
    North Shore Bank, FSB 15700 West Bluemound Rd Brookfield, WI 53005 Full Service Cyber Office $2,511
    North Shore Bank, FSB 15700 West Bluemound Road Brookfield, WI 53005 Full Service B&M $155,094
    North Shore Bank, FSB 15830 W. Capitol Dr. Brookfield, WI 53005 Full Service B&M $82,600
    North Shore Bank, FSB 1620 W Mason St Green Bay, WI 54303 Full Service Retail $17,770
    North Shore Bank, FSB 165 N Saint Augustine St Pulaski, WI 54162 Full Service B&M $33,672
    North Shore Bank, FSB 1689 Curran Road Mchenry, IL 60051 Full Service B&M $20,609
    North Shore Bank, FSB 1819 Main Street Green Bay, WI 54302 Full Service B&M $19,087
    North Shore Bank, FSB 1900 N Martin Luther King Dr Milwaukee, WI 53212 Full Service B&M $11,546
    North Shore Bank, FSB 2215 S Oneida St Green Bay, WI 54307 Full Service B&M $19,506
    North Shore Bank, FSB 225 N Fifth Ave Sturgeon Bay, WI 54235 Full Service B&M $56,740
    North Shore Bank, FSB 2300 South Webster Avenue Green Bay, WI 54301 Full Service B&M $34,491
    North Shore Bank, FSB 2301 Wisconsin Ave Grafton, WI 53024 Full Service B&M $37,952
    North Shore Bank, FSB 2465 Lineville Road, Suite 2 Green Bay, WI 54313 Full Service B&M $18,859
    North Shore Bank, FSB 2614 S. Bay Shore Dr. Sister Bay, WI 54234 Full Service B&M $22,462
    North Shore Bank, FSB 3233 East Layton Avenue Cudahy, WI 53110 Full Service B&M $23,492
    North Shore Bank, FSB 3970 North Oakland Avenue Milwaukee, WI 53211 Full Service B&M $60,626
    North Shore Bank, FSB 403 West Silver Spring Drive Glendale, WI 53217 Full Service B&M $25,769
    North Shore Bank, FSB 4230 West Oklahoma Avenue Milwaukee, WI 53215 Full Service B&M $45,180
    North Shore Bank, FSB 4414 N Oakland Ave Shorewood, WI 53211 Full Service B&M $46,313
    North Shore Bank, FSB 4923 Washington Ave Racine, WI 53406 Full Service B&M $39,027
    North Shore Bank, FSB 5101 S 76th St Greendale, WI 53129 Full Service B&M $41,934
    North Shore Bank, FSB 5117 Green Bay Road Kenosha, WI 53144 Full Service B&M $32,116
    North Shore Bank, FSB 5723 Durand Ave. Racine, WI 53406 Full Service B&M $30,167
    North Shore Bank, FSB 5817 West Forest Home Avenue Milwaukee, WI 53220 Full Service B&M $24,746
    North Shore Bank, FSB 5850 Broad Street Greendale, WI 53129 Full Service B&M $43,495
    North Shore Bank, FSB 600 East Green Tree Road Fox Point, WI 53217 Full Service B&M $64,040
    North Shore Bank, FSB 6906 Green Bay Rd Kenosha, WI 53142 Full Service B&M $21,708
    North Shore Bank, FSB 7151 S 76th St Franklin, WI 53132 Full Service B&M $39,404
    North Shore Bank, FSB 7927 West Capitol Drive Milwaukee, WI 53222 Full Service B&M $20,499
    North Shore Bank, FSB 8056 39th Avenue Kenosha, WI 53142 Full Service B&M $10,993
    North Shore Bank, FSB 8701 South Howell Avenue Oak Creek, WI 53154 Full Service B&M $32,683
    North Shore Bank, FSB 8706 W North Ave Wauwatosa, WI 53226 Full Service B&M $50,040
    North Shore Bank, FSB 9131 W Oklahoma Ave Milwaukee, WI 53227 Full Service B&M $50,202
    North Shore Bank, FSB S74 W17095 Janesville Road Muskego, WI 53150 Full Service B&M $33,673
    North Shore Bank, FSB W249n6600 Highway 164 Sussex, WI 53089 Full Service B&M $27,874

    For 2018, North Shore Bank Fsb had 47 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $73,821
    Net interest income $66,020
    Total noninterest income $15,610
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $6,221
    Trading account gains and fees $0
    Additional Noninterest Income $9,389
    Pre-tax net operating income $18,122
    Securities gains (or losses, -) $0
    Income before extraordinary items $13,165
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $13,165
    Minority interest net income $0
    Net income $13,165
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $13,165

    North Shore Bank Fsb's gross interest income from loans was $73,821,000.
    North Shore Bank Fsb's net interest income from loans was $66,020,000.
    North Shore Bank Fsb's fee based income from loans was $6,221,000.
    North Shore Bank Fsb's net income from loans was $13,165,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $7,801
    Provision for credit losses $0
    Total noninterest expense $63,508
    Salaries and employee benefits $37,154
    Premises and equipment expense $7,868
    Additional noninterest expense $18,486
    Applicable income taxes $4,957
    Net charge-offs $-273
    Cash dividends $0

    North Shore Bank Fsb's interest expense for loans was $7,801,000.
    North Shore Bank Fsb's payroll and benefits expense were $37,154,000.
    North Shore Bank Fsb's property, plant and equipment expenses $7,868,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 1.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,750,680
    Deposits held in domestic offices $1,750,680
    Deposits by Individuals, partnerships, and corporations $1,728,082
    Deposits by U.S. Government $10
    Deposits by States and political subdivisions in the U.S. $22,588
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $151,504
    Demand deposits $93,111
    Nontransaction accounts $1,599,176
    Money market deposit accounts (MMDAs) $626,079
    Other savings deposits (excluding MMDAs) $471,373
    Total time deposits $501,723
    Total time and savings deposits $1,657,569
    Noninterest-bearing deposits $237,728
    Interest-bearing deposits $1,512,952
    Retail deposits $1,706,829
    IRAs and Keogh plan accounts $94,691
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,031,675
    Cash & Balances due from depository institutions $190,653
    Interest-bearing balances $153,040
    Total securities $136,314
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,598,617
    Loan and leases loss allowance $13,207
    Trading account assets $0
    Bank premises and fixed assets $45,547
    Other real estate owned $4,270
    Goodwill and other intangibles $30,367
    All other assets $25,907

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,031,675
    Total Liabilities $1,782,978
    Total deposits $1,750,680
    Interest-bearing deposits $1,512,952
    Deposits held in domestic offices $1,750,680
    % insured (estimated) $86
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $32,298

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,598,617
    Loan and leases loss allowance $13,207
    Total loans and leases (domestic) $1,611,824
    All real estate loans $1,176,043
    Real estate loans in domestic offices $1,176,043
    Construction and development loans $42,857
    Residential 1-4 family construction $5,115
    Other construction, all land development and other land $37,742
    Loans secured by nonfarm nonresidential properties $127,046
    Nonfarm nonresidential secured by owner-occupied properties $63,702
    Commercial real estate & other non-farm, non-residential $63,344
    Multifamily residential real estate $540,365
    1-4 family residential loans $465,233
    Farmland loans $542
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $33,022
    To non-U.S. addressees $0
    Loans to individuals $394,543
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $1,815
    Other loans to individuals $392,728
    All other loans & leases $8,216
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $3,949
    Non 1-4 family restructured loans & leases $1,638
    Total loans and leases (foreign) $0

    North Shore Bank FSB had $1,598,617,000 of loans outstanding in 2018. $1,176,043,000 of loans were in real estate loans. $42,857,000 of loans were in development loans. $540,365,000 of loans were in multifamily mortgage loans. $465,233,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $1,815,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 192 $44,073 $229,547
    Nonfarm, nonresidential loans - <$100k 44 $1,577 $35,841
    Nonfarm, nonresidential loans - $100-250k 60 $7,260 $121,000
    Nonfarm, nonresidential loans - $250k-1MM 88 $35,236 $400,409
    Commercial & Industrial, US addressed loans - <$1MM 197 $15,996 $81,198
    Commercial & Industrial, US addressed loans - <$100k 118 $2,972 $25,186
    Commercial & Industrial, US addressed loans - $100-250k 39 $3,040 $77,949
    Commercial & Industrial, US addressed loans - $250k-1MM 40 $9,984 $249,600