Call reports 2018
NORTH COUNTY SAVINGS BANK — 2018
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 52,751,000 | 51,594,000 | 51,357,000 | 51,743,000 |
| Total loans | 27,101,000 | 27,391,000 | 26,900,000 | 27,080,000 |
| Allowance for loan losses | 150,000 | 149,000 | 140,000 | 130,000 |
| Securities available for sale | 2,888,000 | 2,581,000 | 2,275,000 | 2,099,000 |
| Securities held to maturity | 8,882,000 | 8,766,000 | 7,929,000 | 7,289,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,221,000 | 47,051,000 | 46,747,000 | 47,006,000 |
| Interest-bearing deposits | 42,978,000 | 41,815,000 | 41,582,000 | 42,058,000 |
| Noninterest-bearing deposits | 5,243,000 | 5,236,000 | 5,165,000 | 4,948,000 |
| Equity capital | 4,422,000 | 4,476,000 | 4,534,000 | 4,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 405,000 | 819,000 | 1,239,000 | 1,672,000 |
| Interest expense | 80,000 | 162,000 | 252,000 | 356,000 |
| Net interest income | 325,000 | 657,000 | 987,000 | 1,316,000 |
| Noninterest income | 34,000 | 68,000 | 103,000 | 138,000 |
| Noninterest expense | 270,000 | 551,000 | 843,000 | 1,146,000 |
| Provision for loan losses | 1,000 | 1,000 | 1,000 | 2,000 |
| Pretax income | 88,000 | 173,000 | 246,000 | 306,000 |
| Income tax | 15,000 | 40,000 | 50,000 | 65,000 |
| Net income | 73,000 | 133,000 | 196,000 | 241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,482,000 | 4,541,000 | 4,604,000 | 4,650,000 |
| Total capital | 4,632,000 | 4,690,000 | 4,744,000 | 4,780,000 |
| Risk-weighted assets | 22,155,000 | 20,048,000 | 19,713,000 | 19,657,000 |