Call reports 2010
NORTH COUNTY SAVINGS BANK — 2010
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 35,454,000 | 37,353,000 | 37,237,000 | 37,970,000 |
| Total loans | 22,902,000 | 23,139,000 | 23,451,000 | 23,413,000 |
| Allowance for loan losses | 105,000 | 107,000 | 110,000 | 110,000 |
| Securities available for sale | 1,534,000 | 2,038,000 | 2,138,000 | 1,720,000 |
| Securities held to maturity | 1,644,000 | 1,847,000 | 1,745,000 | 2,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,333,000 | 34,200,000 | 34,047,000 | 34,775,000 |
| Interest-bearing deposits | 30,078,000 | 31,872,000 | 31,301,000 | 31,965,000 |
| Noninterest-bearing deposits | 2,255,000 | 2,328,000 | 2,746,000 | 2,810,000 |
| Equity capital | 2,954,000 | 3,020,000 | 3,061,000 | 3,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 377,000 | 762,000 | 1,163,000 | 1,554,000 |
| Interest expense | 135,000 | 269,000 | 401,000 | 522,000 |
| Net interest income | 242,000 | 493,000 | 762,000 | 1,032,000 |
| Noninterest income | 98,000 | 115,000 | 129,000 | 142,000 |
| Noninterest expense | 200,000 | 388,000 | 605,000 | 844,000 |
| Provision for loan losses | 0 | 3,000 | 4,000 | 5,000 |
| Pretax income | 140,000 | 217,000 | 282,000 | 325,000 |
| Income tax | 40,000 | 55,000 | 80,000 | 105,000 |
| Net income | 100,000 | 162,000 | 202,000 | 220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,937,000 | 2,999,000 | 3,039,000 | 3,057,000 |
| Total capital | 3,042,000 | 3,106,000 | 3,149,000 | 3,167,000 |
| Risk-weighted assets | 18,056,000 | 18,459,000 | 18,567,000 | 18,496,000 |