Call reports 2017
NORTH COUNTY SAVINGS BANK — 2017
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 50,558,000 | 51,622,000 | 51,632,000 | 52,100,000 |
| Total loans | 27,847,000 | 28,008,000 | 27,641,000 | 27,361,000 |
| Allowance for loan losses | 150,000 | 150,000 | 150,000 | 150,000 |
| Securities available for sale | 3,620,000 | 3,738,000 | 3,637,000 | 3,412,000 |
| Securities held to maturity | 8,490,000 | 8,482,000 | 8,737,000 | 8,899,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,236,000 | 47,281,000 | 47,230,000 | 47,668,000 |
| Interest-bearing deposits | 41,092,000 | 42,153,000 | 42,760,000 | 42,326,000 |
| Noninterest-bearing deposits | 5,144,000 | 5,128,000 | 4,470,000 | 5,342,000 |
| Equity capital | 4,186,000 | 4,267,000 | 4,338,000 | 4,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 378,000 | 769,000 | 1,163,000 | 1,562,000 |
| Interest expense | 64,000 | 132,000 | 204,000 | 281,000 |
| Net interest income | 314,000 | 637,000 | 959,000 | 1,281,000 |
| Noninterest income | 31,000 | 65,000 | 98,000 | 134,000 |
| Noninterest expense | 264,000 | 532,000 | 790,000 | 1,088,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 81,000 | 170,000 | 267,000 | 327,000 |
| Income tax | 20,000 | 39,000 | 64,000 | 77,000 |
| Net income | 61,000 | 131,000 | 203,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,220,000 | 4,289,000 | 4,361,000 | 4,409,000 |
| Total capital | 4,370,000 | 4,439,000 | 4,511,000 | 4,559,000 |
| Risk-weighted assets | 22,384,000 | 22,725,000 | 22,657,000 | 22,344,000 |