Call reports 2013
NORTH COUNTY SAVINGS BANK — 2013
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 44,137,000 | 43,808,000 | 44,702,000 | 42,855,000 |
| Total loans | 23,643,000 | 23,877,000 | 23,701,000 | 24,001,000 |
| Allowance for loan losses | 137,000 | 140,000 | 140,000 | 140,000 |
| Securities available for sale | 2,698,000 | 3,740,000 | 3,737,000 | 3,728,000 |
| Securities held to maturity | 5,207,000 | 5,312,000 | 5,507,000 | 5,518,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,496,000 | 40,218,000 | 41,061,000 | 39,209,000 |
| Interest-bearing deposits | 37,202,000 | 36,732,000 | 37,746,000 | 35,805,000 |
| Noninterest-bearing deposits | 3,294,000 | 3,486,000 | 3,315,000 | 3,404,000 |
| Equity capital | 3,527,000 | 3,500,000 | 3,548,000 | 3,555,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 358,000 | 710,000 | 1,057,000 | 1,396,000 |
| Interest expense | 69,000 | 136,000 | 204,000 | 267,000 |
| Net interest income | 289,000 | 574,000 | 853,000 | 1,129,000 |
| Noninterest income | 15,000 | 30,000 | 42,000 | 56,000 |
| Noninterest expense | 230,000 | 463,000 | 692,000 | 966,000 |
| Provision for loan losses | 1,000 | 4,000 | 6,000 | 6,000 |
| Pretax income | 73,000 | 137,000 | 197,000 | 213,000 |
| Income tax | 22,000 | 38,000 | 49,000 | 53,000 |
| Net income | 51,000 | 99,000 | 148,000 | 160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,530,000 | 3,578,000 | 3,627,000 | 3,639,000 |
| Total capital | 3,665,000 | 3,718,000 | 3,767,000 | 3,779,000 |
| Risk-weighted assets | 19,699,000 | 19,570,000 | 19,812,000 | 19,497,000 |