Call reports 2005
NORTH COUNTY SAVINGS BANK — 2005
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 30,157,000 | 30,026,000 | 29,918,000 | 29,280,000 |
| Total loans | 19,035,000 | 18,791,000 | 19,425,000 | 19,774,000 |
| Allowance for loan losses | 97,000 | 99,000 | 99,000 | 96,000 |
| Securities available for sale | 5,040,000 | 5,042,000 | 4,665,000 | 4,544,000 |
| Securities held to maturity | 1,890,000 | 1,865,000 | 1,492,000 | 1,493,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,707,000 | 27,480,000 | 27,339,000 | 26,687,000 |
| Interest-bearing deposits | 25,899,000 | 25,312,000 | 24,301,000 | 24,361,000 |
| Noninterest-bearing deposits | 1,808,000 | 2,168,000 | 3,038,000 | 2,326,000 |
| Equity capital | 2,376,000 | 2,470,000 | 2,480,000 | 2,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 354,000 | 716,000 | 1,080,000 | 1,447,000 |
| Interest expense | 127,000 | 258,000 | 392,000 | 540,000 |
| Net interest income | 227,000 | 458,000 | 688,000 | 907,000 |
| Noninterest income | 11,000 | 22,000 | 37,000 | 48,000 |
| Noninterest expense | 196,000 | 383,000 | 558,000 | 757,000 |
| Provision for loan losses | 0 | 0 | 1,000 | 1,000 |
| Pretax income | 42,000 | 97,000 | 164,000 | 195,000 |
| Income tax | 11,000 | 22,000 | 45,000 | 58,000 |
| Net income | 31,000 | 75,000 | 119,000 | 137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,446,000 | 2,490,000 | 2,534,000 | 2,552,000 |
| Total capital | 2,543,000 | 2,589,000 | 2,633,000 | 2,648,000 |
| Risk-weighted assets | 15,349,000 | 15,111,000 | 15,723,000 | 15,558,000 |