Call reports 2016
NORTH COUNTY SAVINGS BANK — 2016
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 48,065,000 | 47,731,000 | 49,303,000 | 49,116,000 |
| Total loans | 27,069,000 | 27,405,000 | 27,684,000 | 27,929,000 |
| Allowance for loan losses | 145,000 | 145,000 | 145,000 | 150,000 |
| Securities available for sale | 2,846,000 | 2,414,000 | 2,508,000 | 3,491,000 |
| Securities held to maturity | 6,835,000 | 7,218,000 | 7,843,000 | 7,875,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,929,000 | 43,560,000 | 45,055,000 | 44,916,000 |
| Interest-bearing deposits | 39,552,000 | 39,084,000 | 40,389,000 | 40,302,000 |
| Noninterest-bearing deposits | 4,377,000 | 4,476,000 | 4,666,000 | 4,614,000 |
| Equity capital | 4,036,000 | 4,101,000 | 4,152,000 | 4,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 366,000 | 734,000 | 1,108,000 | 1,482,000 |
| Interest expense | 62,000 | 126,000 | 188,000 | 252,000 |
| Net interest income | 304,000 | 608,000 | 920,000 | 1,230,000 |
| Noninterest income | 14,000 | 26,000 | 58,000 | 88,000 |
| Noninterest expense | 256,000 | 504,000 | 777,000 | 1,094,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | 62,000 | 130,000 | 201,000 | 219,000 |
| Income tax | 14,000 | 28,000 | 43,000 | 49,000 |
| Net income | 48,000 | 102,000 | 158,000 | 170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,036,000 | 4,101,000 | 4,152,000 | 4,158,000 |
| Total capital | 4,181,000 | 4,246,000 | 4,297,000 | 4,308,000 |
| Risk-weighted assets | 21,339,000 | 21,718,000 | 22,216,000 | 22,174,000 |