Call reports 2008
NORTH COUNTY SAVINGS BANK — 2008
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 30,397,000 | 31,210,000 | 30,478,000 | 30,876,000 |
| Total loans | 22,227,000 | 22,333,000 | 23,157,000 | 23,227,000 |
| Allowance for loan losses | 105,000 | 103,000 | 105,000 | 105,000 |
| Securities available for sale | 3,559,000 | 3,412,000 | 3,418,000 | 2,823,000 |
| Securities held to maturity | 599,000 | 797,000 | 1,094,000 | 1,195,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,487,000 | 28,337,000 | 27,580,000 | 27,910,000 |
| Interest-bearing deposits | 25,413,000 | 26,194,000 | 25,654,000 | 25,720,000 |
| Noninterest-bearing deposits | 2,074,000 | 2,143,000 | 1,926,000 | 2,190,000 |
| Equity capital | 2,752,000 | 2,743,000 | 2,769,000 | 2,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 415,000 | 824,000 | 1,234,000 | 1,636,000 |
| Interest expense | 205,000 | 409,000 | 605,000 | 779,000 |
| Net interest income | 210,000 | 415,000 | 629,000 | 857,000 |
| Noninterest income | 9,000 | 15,000 | 27,000 | 38,000 |
| Noninterest expense | 199,000 | 386,000 | 580,000 | 795,000 |
| Provision for loan losses | 11,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | 9,000 | 36,000 | 68,000 | 100,000 |
| Income tax | 9,000 | 14,000 | 20,000 | 24,000 |
| Net income | 0 | 22,000 | 48,000 | 76,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,712,000 | 2,734,000 | 2,760,000 | 2,789,000 |
| Total capital | 2,817,000 | 2,837,000 | 2,865,000 | 2,894,000 |
| Risk-weighted assets | 16,281,000 | 16,367,000 | 16,517,000 | 16,427,000 |