Call reports 2012
NORTH COUNTY SAVINGS BANK — 2012
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 43,376,000 | 42,236,000 | 43,510,000 | 42,595,000 |
| Total loans | 24,110,000 | 24,048,000 | 23,953,000 | 25,275,000 |
| Allowance for loan losses | 107,000 | 120,000 | 130,000 | 135,000 |
| Securities available for sale | 2,622,000 | 2,619,000 | 2,217,000 | 2,107,000 |
| Securities held to maturity | 3,878,000 | 4,174,000 | 4,604,000 | 4,800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,903,000 | 38,746,000 | 39,943,000 | 39,024,000 |
| Interest-bearing deposits | 36,742,000 | 35,987,000 | 37,158,000 | 36,606,000 |
| Noninterest-bearing deposits | 3,161,000 | 2,759,000 | 2,785,000 | 2,418,000 |
| Equity capital | 3,316,000 | 3,385,000 | 3,448,000 | 3,482,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 389,000 | 770,000 | 1,153,000 | 1,535,000 |
| Interest expense | 89,000 | 172,000 | 254,000 | 332,000 |
| Net interest income | 300,000 | 598,000 | 899,000 | 1,203,000 |
| Noninterest income | 13,000 | 26,000 | 43,000 | 58,000 |
| Noninterest expense | 226,000 | 436,000 | 647,000 | 904,000 |
| Provision for loan losses | 3,000 | 12,000 | 22,000 | 27,000 |
| Pretax income | 84,000 | 176,000 | 273,000 | 330,000 |
| Income tax | 27,000 | 50,000 | 85,000 | 103,000 |
| Net income | 57,000 | 126,000 | 188,000 | 227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,309,000 | 3,378,000 | 3,440,000 | 3,479,000 |
| Total capital | 3,416,000 | 3,498,000 | 3,570,000 | 3,614,000 |
| Risk-weighted assets | 20,373,000 | 20,099,000 | 20,247,000 | 20,411,000 |