Call reports 2007
NORTH COUNTY SAVINGS BANK — 2007
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 28,913,000 | 29,052,000 | 28,070,000 | 30,128,000 |
| Total loans | 20,190,000 | 21,174,000 | 21,853,000 | 22,166,000 |
| Allowance for loan losses | 90,000 | 90,000 | 91,000 | 91,000 |
| Securities available for sale | 4,491,000 | 4,028,000 | 3,275,000 | 3,302,000 |
| Securities held to maturity | 1,094,000 | 796,000 | 697,000 | 698,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,157,000 | 26,298,000 | 25,259,000 | 27,264,000 |
| Interest-bearing deposits | 24,237,000 | 24,031,000 | 23,224,000 | 24,301,000 |
| Noninterest-bearing deposits | 1,920,000 | 2,267,000 | 2,035,000 | 2,963,000 |
| Equity capital | 2,634,000 | 2,640,000 | 2,681,000 | 2,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 400,000 | 794,000 | 1,186,000 | 1,595,000 |
| Interest expense | 198,000 | 397,000 | 597,000 | 800,000 |
| Net interest income | 202,000 | 397,000 | 589,000 | 795,000 |
| Noninterest income | 12,000 | 24,000 | 39,000 | 46,000 |
| Noninterest expense | 185,000 | 375,000 | 567,000 | 762,000 |
| Provision for loan losses | 1,000 | 1,000 | 1,000 | 1,000 |
| Pretax income | 28,000 | 45,000 | 58,000 | 76,000 |
| Income tax | 3,000 | 5,000 | 7,000 | 10,000 |
| Net income | 25,000 | 40,000 | 51,000 | 66,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,671,000 | 2,687,000 | 2,697,000 | 2,712,000 |
| Total capital | 2,761,000 | 2,777,000 | 2,788,000 | 2,803,000 |
| Risk-weighted assets | 15,437,000 | 15,969,000 | 15,762,000 | 16,294,000 |