Call reports 2009
NORTH COUNTY SAVINGS BANK — 2009
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 32,481,000 | 34,844,000 | 34,271,000 | 34,613,000 |
| Total loans | 22,048,000 | 21,440,000 | 22,245,000 | 22,319,000 |
| Allowance for loan losses | 104,000 | 110,000 | 109,000 | 105,000 |
| Securities available for sale | 2,372,000 | 2,055,000 | 2,051,000 | 1,838,000 |
| Securities held to maturity | 1,434,000 | 1,539,000 | 1,438,000 | 1,541,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,495,000 | 31,903,000 | 31,319,000 | 31,229,000 |
| Interest-bearing deposits | 27,593,000 | 29,603,000 | 29,270,000 | 28,988,000 |
| Noninterest-bearing deposits | 1,902,000 | 2,300,000 | 2,049,000 | 2,241,000 |
| Equity capital | 2,850,000 | 2,800,000 | 2,826,000 | 2,857,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 387,000 | 768,000 | 1,158,000 | 1,543,000 |
| Interest expense | 164,000 | 333,000 | 502,000 | 654,000 |
| Net interest income | 223,000 | 435,000 | 656,000 | 889,000 |
| Noninterest income | 12,000 | 35,000 | 50,000 | 66,000 |
| Noninterest expense | 203,000 | 470,000 | 678,000 | 879,000 |
| Provision for loan losses | 0 | 6,000 | 6,000 | 7,000 |
| Pretax income | 32,000 | -6,000 | 22,000 | 69,000 |
| Income tax | 9,000 | 11,000 | 11,000 | 21,000 |
| Net income | 23,000 | -17,000 | 11,000 | 48,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,811,000 | 2,771,000 | 2,799,000 | 2,837,000 |
| Total capital | 2,915,000 | 2,881,000 | 2,908,000 | 2,942,000 |
| Risk-weighted assets | 16,213,000 | 16,424,000 | 16,758,000 | 17,696,000 |