Call reports 2015
NORTH COUNTY SAVINGS BANK — 2015
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 45,612,000 | 47,258,000 | 46,698,000 | 46,552,000 |
| Total loans | 27,405,000 | 27,096,000 | 26,935,000 | 27,185,000 |
| Allowance for loan losses | 141,000 | 142,000 | 143,000 | 145,000 |
| Securities available for sale | 3,030,000 | 2,923,000 | 2,943,000 | 2,923,000 |
| Securities held to maturity | 5,119,000 | 5,870,000 | 6,238,000 | 6,657,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,662,000 | 43,280,000 | 42,643,000 | 42,491,000 |
| Interest-bearing deposits | 37,524,000 | 38,968,000 | 38,838,000 | 38,517,000 |
| Noninterest-bearing deposits | 4,138,000 | 4,312,000 | 3,805,000 | 3,974,000 |
| Equity capital | 3,852,000 | 3,902,000 | 3,967,000 | 3,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 361,000 | 724,000 | 1,083,000 | 1,446,000 |
| Interest expense | 56,000 | 117,000 | 177,000 | 241,000 |
| Net interest income | 305,000 | 607,000 | 906,000 | 1,205,000 |
| Noninterest income | 14,000 | 33,000 | 51,000 | 65,000 |
| Noninterest expense | 245,000 | 490,000 | 737,000 | 1,012,000 |
| Provision for loan losses | 0 | 7,000 | 7,000 | 8,000 |
| Pretax income | 74,000 | 143,000 | 213,000 | 250,000 |
| Income tax | 16,000 | 30,000 | 48,000 | 68,000 |
| Net income | 58,000 | 113,000 | 165,000 | 182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,878,000 | 3,920,000 | 3,971,000 | 3,972,000 |
| Total capital | 4,019,000 | 4,062,000 | 4,114,000 | 4,117,000 |
| Risk-weighted assets | 28,956,000 | 21,278,000 | 21,118,000 | 21,154,000 |