Call reports 2011
NORTH COUNTY SAVINGS BANK — 2011
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 39,864,000 | 39,585,000 | 39,410,000 | 40,227,000 |
| Total loans | 23,573,000 | 23,891,000 | 24,968,000 | 24,770,000 |
| Allowance for loan losses | 114,000 | 111,000 | 113,000 | 110,000 |
| Securities available for sale | 1,878,000 | 2,451,000 | 2,148,000 | 2,038,000 |
| Securities held to maturity | 2,971,000 | 3,865,000 | 4,016,000 | 4,112,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,627,000 | 36,299,000 | 36,042,000 | 36,828,000 |
| Interest-bearing deposits | 34,001,000 | 33,702,000 | 33,538,000 | 34,111,000 |
| Noninterest-bearing deposits | 2,626,000 | 2,597,000 | 2,504,000 | 2,717,000 |
| Equity capital | 3,096,000 | 3,162,000 | 3,231,000 | 3,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 383,000 | 776,000 | 1,178,000 | 1,576,000 |
| Interest expense | 111,000 | 217,000 | 316,000 | 409,000 |
| Net interest income | 272,000 | 559,000 | 862,000 | 1,167,000 |
| Noninterest income | 15,000 | 29,000 | 44,000 | 58,000 |
| Noninterest expense | 239,000 | 461,000 | 673,000 | 920,000 |
| Provision for loan losses | 4,000 | 11,000 | 22,000 | 22,000 |
| Pretax income | 44,000 | 116,000 | 211,000 | 283,000 |
| Income tax | 13,000 | 28,000 | 55,000 | 88,000 |
| Net income | 31,000 | 88,000 | 156,000 | 195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,088,000 | 3,145,000 | 3,213,000 | 3,252,000 |
| Total capital | 3,202,000 | 3,256,000 | 3,326,000 | 3,362,000 |
| Risk-weighted assets | 18,890,000 | 19,896,000 | 20,540,000 | 20,051,000 |