Call reports 2001
NORTH COUNTY SAVINGS BANK — 2001
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 23,885,000 | 24,778,000 | 24,957,000 | 25,521,000 |
| Total loans | 16,035,000 | 16,063,000 | 16,806,000 | 16,449,000 |
| Allowance for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Securities available for sale | 3,957,000 | 4,724,000 | 5,004,000 | 5,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,848,000 | 22,719,000 | 22,798,000 | 23,399,000 |
| Interest-bearing deposits | 20,713,000 | 21,537,000 | 21,487,000 | 22,228,000 |
| Noninterest-bearing deposits | 1,135,000 | 1,182,000 | 1,311,000 | 1,171,000 |
| Equity capital | 1,913,000 | 1,939,000 | 2,016,000 | 1,994,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 407,000 | 814,000 | 1,223,000 | 1,628,000 |
| Interest expense | 258,000 | 515,000 | 761,000 | 998,000 |
| Net interest income | 149,000 | 299,000 | 462,000 | 630,000 |
| Noninterest income | 10,000 | 19,000 | 29,000 | 38,000 |
| Noninterest expense | 148,000 | 290,000 | 448,000 | 605,000 |
| Provision for loan losses | 0 | 0 | 0 | 7,000 |
| Pretax income | 12,000 | 32,000 | 57,000 | 77,000 |
| Income tax | 0 | 0 | 4,000 | 12,000 |
| Net income | 12,000 | 32,000 | 53,000 | 65,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,875,000 | 1,895,000 | 1,916,000 | 1,928,000 |
| Total capital | 1,975,000 | 1,995,000 | 2,016,000 | 2,028,000 |
| Risk-weighted assets | 12,349,000 | 12,675,000 | 13,079,000 | 13,101,000 |