Call reports 2003
NORTH COUNTY SAVINGS BANK — 2003
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 27,718,000 | 28,347,000 | 28,108,000 | 27,985,000 |
| Total loans | 17,203,000 | 17,716,000 | 18,341,000 | 18,272,000 |
| Allowance for loan losses | 100,000 | 100,000 | 105,000 | 105,000 |
| Securities available for sale | 3,874,000 | 4,081,000 | 4,144,000 | 4,334,000 |
| Securities held to maturity | 1,659,000 | 1,857,000 | 1,756,000 | 1,651,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,418,000 | 26,028,000 | 25,765,000 | 25,631,000 |
| Interest-bearing deposits | 24,108,000 | 24,458,000 | 24,060,000 | 24,465,000 |
| Noninterest-bearing deposits | 1,310,000 | 1,570,000 | 1,705,000 | 1,166,000 |
| Equity capital | 2,184,000 | 2,237,000 | 2,264,000 | 2,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 377,000 | 750,000 | 1,116,000 | 1,469,000 |
| Interest expense | 161,000 | 310,000 | 446,000 | 576,000 |
| Net interest income | 216,000 | 440,000 | 670,000 | 893,000 |
| Noninterest income | 11,000 | 21,000 | 32,000 | 43,000 |
| Noninterest expense | 166,000 | 335,000 | 500,000 | 688,000 |
| Provision for loan losses | 1,000 | 2,000 | 9,000 | 10,000 |
| Pretax income | 60,000 | 124,000 | 193,000 | 238,000 |
| Income tax | 14,000 | 30,000 | 48,000 | 75,000 |
| Net income | 46,000 | 94,000 | 145,000 | 163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,135,000 | 2,183,000 | 2,234,000 | 2,252,000 |
| Total capital | 2,235,000 | 2,283,000 | 2,339,000 | 2,357,000 |
| Risk-weighted assets | 13,978,000 | 14,354,000 | 14,457,000 | 14,294,000 |