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
  • Complaints
  • 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 and Refi loans. North Shore Bank Fsb has a high proportion of conventional loans. Their top markets by origination volume include: Milwaukee, Madison, Green Bay, Racine, and Wausau among others. We have data for 23 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% 11/21/24
    30 Year Conventional Purchase 6.56% 11/21/24
    30 Year Conventional Refi 6.42% 11/21/24
    30 Year Cash-out Refi 6.66% 11/21/24
    30 Year VA Purchase 6.20% 11/21/24
    15 Year Conventional Purchase 5.98% 11/21/24
    15 Year Conventional Refi 6.12% 11/21/24
    15 Year Cash-out Refi 6.12% 11/21/24
    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

    1,152

    Origination Dollar Volume (All Markets)

    $284,340,000

    Employee count

    469 Show all (13) 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) 607 $121,635,000 $200,387 $1,988 4.58%
    MADISON, WI (FHA|USDA|VA) 8 $29,830,000 $3,728,750 $2,028 3.81%
    GREEN BAY, WI (FHA|USDA|VA) 142 $18,970,000 $133,592 $1,802 4.54%
    Outside of Metro Areas 97 $16,775,000 $172,938 $1,912 4.36%
    RACINE, WI (FHA|USDA|VA) 112 $16,170,000 $144,375 $2,011 4.87%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 4 $15,930,000 $3,982,500 $2,261 3.81%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 79 $12,665,000 $160,316 $1,850 4.76%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 5 $9,825,000 $1,965,000 $1,374 4.50%
    APPLETON, WI (FHA|USDA|VA) 35 $8,445,000 $241,286 $2,242 4.58%
    FOND DU LAC, WI (FHA|USDA|VA) 7 $5,915,000 $845,000 $1,504 4.34%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 2 $5,640,000 $2,820,000 $0 4.75%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $5,095,000 $5,095,000 $0 4.00%
    Beaver Dam, WI (FHA|USDA|VA) 5 $3,665,000 $733,000 $0 4.09%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 6 $3,240,000 $540,000 $1,858 4.33%
    Whitewater, WI (FHA|USDA|VA) 11 $2,335,000 $212,273 $1,640 4.42%
    Shawano, WI (FHA|USDA|VA) 12 $2,010,000 $167,500 $1,784 4.59%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 8 $1,510,000 $188,750 $1,867 4.45%
    Marinette, WI-MI (FHA|USDA|VA) 1 $1,475,000 $1,475,000 $0 4.63%
    Stevens Point, WI (FHA|USDA|VA) 1 $1,185,000 $1,185,000 $0 4.75%
    SHEBOYGAN, WI (FHA|USDA|VA) 5 $1,125,000 $225,000 $1,757 4.68%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $485,000 $485,000 $2,481 3.99%
    Baraboo, WI (FHA|USDA|VA) 1 $335,000 $335,000 $0 4.29%
    Manitowoc, WI (FHA|USDA|VA) 2 $80,000 $40,000 $0 5.88%
    North Shore Bank Fsb's top markets include Milwaukee, Madison, Green Bay, Racine, and Wausau 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: 8
    PROSPERA Credit Union
    Similarity Rank: 70
    Liberty Bank for Savings
    Similarity Rank: 85
    Fox Valley Savings Bank
    Similarity Rank: 98
    NORTHWESTERN MUTUAL
    Similarity Rank: 117
    The Bank of Kaukauna
    Similarity Rank: 119
    Empower Credit Union
    Similarity Rank: 144
    FOX COMMUNITIES
    Similarity Rank: 234
    The Greenwood's State Bank
    Similarity Rank: 336
    PCM
    Similarity Rank: 357

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 659 $245,275,000 $372,193 $1,935 3.98%
    HELOC 481 $36,585,000 $76,060 n/a 5.44%
    VA 12 $2,480,000 $206,667 $2,692 3.78%

    For 2019, North Shore Bank Fsb's most frequently originated type of loan was Conventional, with 659 originations. Their 2nd most popular type was HELOC, with 481 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 362 $137,900,000 $380,939 $2,059 4.13%
    Refi 357 $98,625,000 $276,261 $1,718 4.66%
    Cash Out Refi 152 $30,800,000 $202,632 $2,013 3.95%
    Other 148 $9,450,000 $63,851 $0 5.42%
    Home Improvement 133 $7,565,000 $56,880 $0 5.40%

    For 2019, North Shore Bank Fsb's most frequently cited loan purpose was Home Purchase, with 362 originations. The 2nd most popular reason was Refi, with 357 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 523 $133,075,000 $254,446 $1,734 5.36%
    30 Year 490 $110,560,000 $225,633 $1,963 4.01%
    15 Year 96 $16,360,000 $170,417 $1,884 3.54%
    20 Year 32 $6,420,000 $200,625 $2,031 3.92%
    Other 7 $2,565,000 $366,429 $1,618 3.91%
    1 Year 4 $15,360,000 $3,840,000 $0 3.91%

    For 2019, North Shore Bank Fsb's most frequently cited loan duration was 10 Year, with 523 originations. The 2nd most popular length was 30 Year, with 490 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 532 $117,510,000 $220,883
    $1k-2k 40 $8,380,000 $209,500
    $2k-3k 12 $3,200,000 $266,667
    $3k-4k 4 $830,000 $207,500
    $4k-5k 2 $470,000 $235,000

    North Shore Bank Fsb's average total fees were $1,963, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 532 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 455 $157,525,000 $346,209
    5-6% 357 $29,585,000 $82,871
    4-5% 245 $90,095,000 $367,735
    6-7% 51 $2,815,000 $55,196
    2.5-3% 27 $2,985,000 $110,556
    <2.5% 11 $1,225,000 $111,364
    7-8% 6 $110,000 $18,333

    During 2019, North Shore Bank Fsb's average interest rate for loans was 4.01%, while their most frequently originated rate bucket for loans was 3-4%, with 455 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 408 $56,110,000 $137,525 $1,889 4.48%
    $100,000 or less 402 $22,160,000 $55,124 $1,852 5.20%
    $200k-400k 250 $68,030,000 $272,120 $2,025 3.95%
    $400k-600k 52 $24,240,000 $466,154 $2,019 3.85%
    $1MM+ 28 $104,670,000 $3,738,214 $2,820 4.31%
    $600k-1MM 12 $9,130,000 $760,833 $1,833 4.33%

    2019 saw North Shore Bank Fsb place emphasis on $100k-200k loans with 408 originations, totaling $56,110,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 263 $43,275,000 $164,544 $1,981 4.58%
    $50k-75k 243 $29,715,000 $122,284 $1,996 4.68%
    $75k-100k 225 $33,425,000 $148,556 $1,972 4.59%
    $50k or less 164 $14,840,000 $90,488 $1,871 4.61%
    $150k-250k 161 $35,325,000 $219,410 $1,911 4.49%
    $250k+ 54 $15,480,000 $286,667 $1,883 4.47%

    North Shore Bank Fsb lent most frequently to those with incomes in the $100k-150k range, with 263 originations. The second most popular income band? $50k-75k, with 243 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 291 $40,855,000 $140,395 $1,976 4.60%
    30-36% 212 $32,580,000 $153,679 $1,908 4.57%
    <20% 100 $13,950,000 $139,500 $1,902 4.57%
    42% 54 $8,140,000 $150,741 $1,943 4.40%
    44% 50 $7,150,000 $143,000 $1,842 4.80%
    40% 45 $8,445,000 $187,667 $1,923 4.40%
    36% 45 $6,695,000 $148,778 $1,834 4.51%
    43% 44 $7,130,000 $162,045 $2,005 4.81%
    41% 42 $5,200,000 $123,810 $2,030 4.52%
    39% 40 $6,040,000 $151,000 $1,715 4.64%
    38% 39 $6,735,000 $172,692 $2,114 4.78%
    37% 33 $5,205,000 $157,727 $1,991 4.83%
    45% 27 $3,795,000 $140,556 $2,050 4.87%
    46% 18 $2,710,000 $150,556 $2,495 5.10%
    50-60% 17 $4,875,000 $286,765 $2,125 3.89%
    >60% 15 $4,965,000 $331,000 $2,089 3.79%
    47% 14 $3,100,000 $221,429 $1,785 4.42%
    48% 12 $2,330,000 $194,167 $2,093 4.52%
    49% 11 $2,075,000 $188,636 $1,789 4.34%

    North Shore Bank Fsb lent most frequently to those with DTI ratios of 20-30%, with 291 originations. The next most common DTI ratio? 30-36%, with 212 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,061 $170,415,000 $160,617 $1,953 4.59%
    Not applicable 35 $104,575,000 $2,987,857 $0 4.48%
    Not provided 26 $4,950,000 $190,385 $1,856 4.26%
    Black 15 $2,505,000 $167,000 $2,061 4.56%
    Asian 9 $1,235,000 $137,222 $1,729 4.39%
    Chinese 1 $295,000 $295,000 $1,960 3.63%
    American Indian 4 $290,000 $72,500 $0 5.56%
    Native Hawaiian or Islander 1 $75,000 $75,000 $0 5.00%

    Approval Rates

    Total approvals of all applications
    72.54%

    North Shore Bank Fsb has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    88.37%

    North Shore Bank Fsb has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,152 $284,340,000 $246,823

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 41 $108,675,000 $2,650,610
    Single Family (1-4 Units):Manufactured 4 $320,000 $80,000
    Single Family (1-4 Units):Site-Built 1,107 $175,345,000 $158,397

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 226 $25,140,000 $111,239 $1,899 5.20%
    40-60% 176 $36,970,000 $210,057 $1,901 4.36%
    60-80% 367 $148,655,000 $405,054 $1,890 4.16%
    80-100% 204 $64,730,000 $317,304 $2,048 4.12%
    Over 100% 1 $285,000 $285,000 $6,834 3.88%
    Under 20% 178 $8,560,000 $48,090 $1,633 5.44%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    NORTHWEST BANCSHARES INC Other type of mortgage Trouble during payment process 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    North Shore Bank, FSB 10533 West National Avenue West Allis, WI 53227 Full Service B&M $38,662
    North Shore Bank, FSB 10806 N. Port Washington Road Mequon, WI 53092 Full Service Retail $38,836
    North Shore Bank, FSB 1100 W Northland Avenue Appleton, WI 54914 Full Service B&M $46,176
    North Shore Bank, FSB 1101 Main Street Union Grove, WI 53182 Full Service B&M $28,050
    North Shore Bank, FSB 116 S Pine St Burlington, WI 53105 Full Service B&M $30,764
    North Shore Bank, FSB 120 W Wisconsin Ave Pewaukee, WI 53072 Full Service B&M $59,898
    North Shore Bank, FSB 1301 Pyott Road Lake In The Hills, IL 60102 Full Service B&M $20,402
    North Shore Bank, FSB 1320 West Burnham Milwaukee, WI 53204 Full Service B&M $14,601
    North Shore Bank, FSB 1500 Appleton Rd. Menasha, WI 54952 Full Service Retail $24,907
    North Shore Bank, FSB 15505 West National Avenue New Berlin, WI 53151 Full Service B&M $57,071
    North Shore Bank, FSB 15700 West Bluemound Rd Brookfield, WI 53005 Full Service Cyber Office $2,721
    North Shore Bank, FSB 15700 West Bluemound Road Brookfield, WI 53005 Full Service B&M $168,280
    North Shore Bank, FSB 15830 W. Capitol Dr. Brookfield, WI 53005 Full Service B&M $86,859
    North Shore Bank, FSB 1620 W Mason St Green Bay, WI 54303 Full Service Retail $18,625
    North Shore Bank, FSB 165 N Saint Augustine St Pulaski, WI 54162 Full Service B&M $33,612
    North Shore Bank, FSB 1689 Curran Road Mchenry, IL 60051 Full Service B&M $22,015
    North Shore Bank, FSB 1819 Main Street Green Bay, WI 54302 Full Service B&M $22,361
    North Shore Bank, FSB 1900 N Martin Luther King Dr Milwaukee, WI 53212 Full Service B&M $15,006
    North Shore Bank, FSB 2215 S Oneida St Green Bay, WI 54307 Full Service B&M $19,231
    North Shore Bank, FSB 225 N Fifth Ave Sturgeon Bay, WI 54235 Full Service B&M $55,605
    North Shore Bank, FSB 2300 South Webster Avenue Green Bay, WI 54301 Full Service B&M $39,065
    North Shore Bank, FSB 2301 Wisconsin Ave Grafton, WI 53024 Full Service B&M $39,209
    North Shore Bank, FSB 2465 Lineville Road, Suite 2 Green Bay, WI 54313 Full Service B&M $23,614
    North Shore Bank, FSB 2614 S. Bay Shore Dr. Sister Bay, WI 54234 Full Service B&M $23,136
    North Shore Bank, FSB 3233 East Layton Avenue Cudahy, WI 53110 Full Service B&M $25,967
    North Shore Bank, FSB 3911 N Main St Racine, WI 53402 Full Service B&M $31,129
    North Shore Bank, FSB 3970 North Oakland Avenue Milwaukee, WI 53211 Full Service B&M $0
    North Shore Bank, FSB 403 West Silver Spring Drive Glendale, WI 53217 Full Service B&M $27,448
    North Shore Bank, FSB 4230 West Oklahoma Avenue Milwaukee, WI 53215 Full Service B&M $39,229
    North Shore Bank, FSB 4414 N Oakland Ave Shorewood, WI 53211 Full Service B&M $107,675
    North Shore Bank, FSB 4923 Washington Ave Racine, WI 53406 Full Service B&M $39,889
    North Shore Bank, FSB 5101 S 76th St Greendale, WI 53129 Full Service B&M $44,040
    North Shore Bank, FSB 5117 Green Bay Road Kenosha, WI 53144 Full Service B&M $29,175
    North Shore Bank, FSB 5723 Durand Ave. Racine, WI 53406 Full Service B&M $30,475
    North Shore Bank, FSB 5817 West Forest Home Avenue Milwaukee, WI 53220 Full Service B&M $26,579
    North Shore Bank, FSB 5850 Broad Street Greendale, WI 53129 Full Service B&M $43,986
    North Shore Bank, FSB 600 East Green Tree Road Fox Point, WI 53217 Full Service B&M $65,627
    North Shore Bank, FSB 6906 Green Bay Rd Kenosha, WI 53142 Full Service B&M $24,168
    North Shore Bank, FSB 7151 S 76th St Franklin, WI 53132 Full Service B&M $40,406
    North Shore Bank, FSB 7927 West Capitol Drive Milwaukee, WI 53222 Full Service B&M $28,701
    North Shore Bank, FSB 8056 39th Avenue Kenosha, WI 53142 Full Service B&M $12,297
    North Shore Bank, FSB 8701 South Howell Avenue Oak Creek, WI 53154 Full Service B&M $37,176
    North Shore Bank, FSB 8706 W North Ave Wauwatosa, WI 53226 Full Service B&M $50,297
    North Shore Bank, FSB 9131 W Oklahoma Ave Milwaukee, WI 53227 Full Service B&M $52,160
    North Shore Bank, FSB S74 W17095 Janesville Road Muskego, WI 53150 Full Service B&M $40,810
    North Shore Bank, FSB W249n6600 Highway 164 Sussex, WI 53089 Full Service B&M $30,281

    For 2019, North Shore Bank Fsb had 46 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $81,546
    Net interest income $69,303
    Total noninterest income $14,679
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $6,267
    Trading account gains and fees $0
    Additional Noninterest Income $8,412
    Pre-tax net operating income $16,656
    Securities gains (or losses, -) $546
    Income before extraordinary items $12,400
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $12,400
    Minority interest net income $0
    Net income $12,400
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $11,968

    North Shore Bank Fsb's gross interest income from loans was $81,546,000.
    North Shore Bank Fsb's net interest income from loans was $69,303,000.
    North Shore Bank Fsb's fee based income from loans was $6,267,000.
    North Shore Bank Fsb's net income from loans was $12,400,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $12,243
    Provision for credit losses $0
    Total noninterest expense $67,326
    Salaries and employee benefits $40,612
    Premises and equipment expense $8,372
    Additional noninterest expense $18,342
    Applicable income taxes $4,802
    Net charge-offs $-12
    Cash dividends $0

    North Shore Bank Fsb's interest expense for loans was $12,243,000.
    North Shore Bank Fsb's payroll and benefits expense were $40,612,000.
    North Shore Bank Fsb's property, plant and equipment expenses $8,372,000.

    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 $1,756,213
    Deposits held in domestic offices $1,756,213
    Deposits by Individuals, partnerships, and corporations $1,744,116
    Deposits by U.S. Government $8
    Deposits by States and political subdivisions in the U.S. $12,089
    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 $146,374
    Demand deposits $86,341
    Nontransaction accounts $1,609,839
    Money market deposit accounts (MMDAs) $613,469
    Other savings deposits (excluding MMDAs) $502,008
    Total time deposits $494,361
    Total time and savings deposits $1,669,872
    Noninterest-bearing deposits $222,879
    Interest-bearing deposits $1,533,334
    Retail deposits $1,709,947
    IRAs and Keogh plan accounts $88,290
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,048,238
    Cash & Balances due from depository institutions $145,805
    Interest-bearing balances $116,191
    Total securities $161,010
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,635,556
    Loan and leases loss allowance $13,218
    Trading account assets $0
    Bank premises and fixed assets $46,642
    Other real estate owned $1,136
    Goodwill and other intangibles $29,811
    All other assets $28,278

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,048,238
    Total Liabilities $1,789,483
    Total deposits $1,756,213
    Interest-bearing deposits $1,533,334
    Deposits held in domestic offices $1,756,213
    % insured (estimated) $86
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $33,270

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,635,556
    Loan and leases loss allowance $13,218
    Total loans and leases (domestic) $1,648,774
    All real estate loans $1,181,862
    Real estate loans in domestic offices $1,181,862
    Construction and development loans $67,641
    Residential 1-4 family construction $5,429
    Other construction, all land development and other land $62,212
    Loans secured by nonfarm nonresidential properties $118,405
    Nonfarm nonresidential secured by owner-occupied properties $59,675
    Commercial real estate & other non-farm, non-residential $58,730
    Multifamily residential real estate $578,702
    1-4 family residential loans $415,433
    Farmland loans $1,681
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $30,336
    To non-U.S. addressees $0
    Loans to individuals $428,310
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $2,303
    Other loans to individuals $426,007
    All other loans & leases $8,265
    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 $2,802
    Non 1-4 family restructured loans & leases $2,221
    Total loans and leases (foreign) $0

    North Shore Bank FSB had $1,635,556,000 of loans outstanding in 2019. $1,181,862,000 of loans were in real estate loans. $67,641,000 of loans were in development loans. $578,702,000 of loans were in multifamily mortgage loans. $415,433,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $2,303,000 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 178 $41,131 $231,073
    Nonfarm, nonresidential loans - <$100k 37 $1,879 $50,784
    Nonfarm, nonresidential loans - $100-250k 58 $6,386 $110,103
    Nonfarm, nonresidential loans - $250k-1MM 83 $32,866 $395,976
    Commercial & Industrial, US addressed loans - <$1MM 205 $15,589 $76,044
    Commercial & Industrial, US addressed loans - <$100k 121 $3,608 $29,818
    Commercial & Industrial, US addressed loans - $100-250k 38 $2,931 $77,132
    Commercial & Industrial, US addressed loans - $250k-1MM 46 $9,050 $196,739