Call reports 2004
NORTH COUNTY SAVINGS BANK — 2004
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 28,904,000 | 30,127,000 | 29,034,000 | 30,272,000 |
| Total loans | 18,682,000 | 18,857,000 | 19,179,000 | 19,236,000 |
| Allowance for loan losses | 105,000 | 102,000 | 100,000 | 101,000 |
| Securities available for sale | 4,154,000 | 4,537,000 | 4,546,000 | 4,420,000 |
| Securities held to maturity | 1,852,000 | 2,240,000 | 2,090,000 | 2,091,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,465,000 | 27,761,000 | 26,586,000 | 27,816,000 |
| Interest-bearing deposits | 24,809,000 | 25,934,000 | 24,940,000 | 25,481,000 |
| Noninterest-bearing deposits | 1,656,000 | 1,827,000 | 1,646,000 | 2,335,000 |
| Equity capital | 2,336,000 | 2,310,000 | 2,392,000 | 2,398,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 346,000 | 693,000 | 1,046,000 | 1,398,000 |
| Interest expense | 119,000 | 237,000 | 356,000 | 477,000 |
| Net interest income | 227,000 | 456,000 | 690,000 | 921,000 |
| Noninterest income | 12,000 | 20,000 | 31,000 | 38,000 |
| Noninterest expense | 172,000 | 344,000 | 524,000 | 721,000 |
| Provision for loan losses | 1,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 66,000 | 129,000 | 193,000 | 234,000 |
| Income tax | 18,000 | 33,000 | 54,000 | 71,000 |
| Net income | 48,000 | 96,000 | 139,000 | 163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,300,000 | 2,348,000 | 2,391,000 | 2,415,000 |
| Total capital | 2,405,000 | 2,450,000 | 2,491,000 | 2,516,000 |
| Risk-weighted assets | 14,777,000 | 15,089,000 | 14,909,000 | 15,533,000 |