Call reports 2006
NORTH COUNTY SAVINGS BANK — 2006
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 30,008,000 | 28,889,000 | 29,406,000 | 29,475,000 |
| Total loans | 19,691,000 | 19,688,000 | 19,827,000 | 20,094,000 |
| Allowance for loan losses | 95,000 | 91,000 | 91,000 | 90,000 |
| Securities available for sale | 4,414,000 | 4,488,000 | 4,762,000 | 4,875,000 |
| Securities held to maturity | 1,394,000 | 1,394,000 | 1,394,000 | 992,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,394,000 | 26,303,000 | 26,730,000 | 26,779,000 |
| Interest-bearing deposits | 24,654,000 | 24,098,000 | 24,425,000 | 24,238,000 |
| Noninterest-bearing deposits | 2,740,000 | 2,205,000 | 2,305,000 | 2,541,000 |
| Equity capital | 2,496,000 | 2,513,000 | 2,590,000 | 2,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 371,000 | 751,000 | 1,145,000 | 1,538,000 |
| Interest expense | 154,000 | 324,000 | 513,000 | 706,000 |
| Net interest income | 217,000 | 427,000 | 632,000 | 832,000 |
| Noninterest income | 13,000 | 32,000 | 48,000 | 61,000 |
| Noninterest expense | 187,000 | 373,000 | 561,000 | 756,000 |
| Provision for loan losses | 0 | 0 | 0 | 13,000 |
| Pretax income | 43,000 | 86,000 | 119,000 | 124,000 |
| Income tax | 11,000 | 20,000 | 26,000 | 30,000 |
| Net income | 32,000 | 66,000 | 93,000 | 94,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,584,000 | 2,618,000 | 2,645,000 | 2,646,000 |
| Total capital | 2,679,000 | 2,709,000 | 2,736,000 | 2,736,000 |
| Risk-weighted assets | 15,686,000 | 15,335,000 | 15,466,000 | 15,459,000 |