Call reports 2002
NORTH COUNTY SAVINGS BANK — 2002
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 25,988,000 | 26,020,000 | 25,462,000 | 26,262,000 |
| Total loans | 17,297,000 | 17,198,000 | 17,532,000 | 16,914,000 |
| Allowance for loan losses | 100,000 | 100,000 | 100,000 | 103,000 |
| Securities available for sale | 4,999,000 | 5,717,000 | 3,804,000 | 3,597,000 |
| Securities held to maturity | 0 | 0 | 1,861,000 | 1,860,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,888,000 | 23,751,000 | 23,182,000 | 23,944,000 |
| Interest-bearing deposits | 22,638,000 | 22,650,000 | 22,105,000 | 22,749,000 |
| Noninterest-bearing deposits | 1,250,000 | 1,101,000 | 1,077,000 | 1,195,000 |
| Equity capital | 1,992,000 | 2,120,000 | 2,136,000 | 2,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 400,000 | 796,000 | 1,195,000 | 1,596,000 |
| Interest expense | 213,000 | 405,000 | 589,000 | 761,000 |
| Net interest income | 187,000 | 391,000 | 606,000 | 835,000 |
| Noninterest income | 8,000 | 16,000 | 25,000 | 33,000 |
| Noninterest expense | 147,000 | 296,000 | 453,000 | 637,000 |
| Provision for loan losses | 1,000 | 3,000 | 4,000 | 7,000 |
| Pretax income | 50,000 | 111,000 | 177,000 | 227,000 |
| Income tax | 8,000 | 22,000 | 39,000 | 66,000 |
| Net income | 42,000 | 89,000 | 138,000 | 161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,970,000 | 2,017,000 | 2,066,000 | 2,089,000 |
| Total capital | 2,070,000 | 2,117,000 | 2,166,000 | 2,192,000 |
| Risk-weighted assets | 13,456,000 | 13,437,000 | 13,610,000 | 13,657,000 |