Call reports 2014
NORTH COUNTY SAVINGS BANK — 2014
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 46,361,000 | 46,208,000 | 45,791,000 | 44,130,000 |
| Total loans | 24,141,000 | 25,385,000 | 26,883,000 | 27,268,000 |
| Allowance for loan losses | 140,000 | 140,000 | 140,000 | 141,000 |
| Securities available for sale | 3,560,000 | 3,283,000 | 3,070,000 | 3,083,000 |
| Securities held to maturity | 5,979,000 | 5,884,000 | 5,528,000 | 5,124,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,634,000 | 42,456,000 | 41,990,000 | 40,290,000 |
| Interest-bearing deposits | 38,647,000 | 38,521,000 | 38,257,000 | 36,343,000 |
| Noninterest-bearing deposits | 3,987,000 | 3,935,000 | 3,733,000 | 3,947,000 |
| Equity capital | 3,615,000 | 3,675,000 | 3,721,000 | 3,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 335,000 | 686,000 | 1,054,000 | 1,418,000 |
| Interest expense | 61,000 | 122,000 | 181,000 | 239,000 |
| Net interest income | 274,000 | 564,000 | 873,000 | 1,179,000 |
| Noninterest income | 11,000 | 27,000 | 42,000 | 59,000 |
| Noninterest expense | 234,000 | 469,000 | 723,000 | 992,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 21,000 |
| Pretax income | 51,000 | 102,000 | 175,000 | 225,000 |
| Income tax | 13,000 | 20,000 | 40,000 | 58,000 |
| Net income | 38,000 | 82,000 | 135,000 | 167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,678,000 | 3,721,000 | 3,774,000 | 3,806,000 |
| Total capital | 3,818,000 | 3,861,000 | 3,914,000 | 3,947,000 |
| Risk-weighted assets | 20,242,000 | 20,754,000 | 21,131,000 | 20,759,000 |