Call reports 2019
NORTH COUNTY SAVINGS BANK — 2019
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 53,638,000 | 53,075,000 | 54,340,000 | 53,681,000 |
| Total loans | 26,908,000 | 27,020,000 | 27,262,000 | 26,951,000 |
| Allowance for loan losses | 130,000 | 130,000 | 130,000 | 130,000 |
| Securities available for sale | 2,277,000 | 2,407,000 | 2,016,000 | 2,119,000 |
| Securities held to maturity | 7,479,000 | 7,180,000 | 6,757,000 | 6,036,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,855,000 | 48,234,000 | 49,372,000 | 48,644,000 |
| Interest-bearing deposits | 43,628,000 | 42,943,000 | 44,148,000 | 42,676,000 |
| Noninterest-bearing deposits | 5,227,000 | 5,291,000 | 5,224,000 | 5,968,000 |
| Equity capital | 4,677,000 | 4,758,000 | 4,831,000 | 4,849,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 446,000 | 905,000 | 1,372,000 | 1,836,000 |
| Interest expense | 117,000 | 246,000 | 378,000 | 505,000 |
| Net interest income | 329,000 | 659,000 | 994,000 | 1,331,000 |
| Noninterest income | 36,000 | 71,000 | 107,000 | 140,000 |
| Noninterest expense | 297,000 | 590,000 | 876,000 | 1,218,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 68,000 | 140,000 | 225,000 | 253,000 |
| Income tax | 11,000 | 23,000 | 41,000 | 53,000 |
| Net income | 57,000 | 117,000 | 184,000 | 200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,707,000 | 4,767,000 | 4,834,000 | 4,850,000 |
| Total capital | 4,837,000 | 4,897,000 | 4,964,000 | 4,980,000 |
| Risk-weighted assets | 19,873,000 | 20,019,000 | 20,241,000 | 19,488,000 |