Call reports 2020
NORTH COUNTY SAVINGS BANK — 2020
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 55,442,000 | 58,977,000 | 59,976,000 | 60,164,000 |
| Total loans | 25,784,000 | 26,058,000 | 26,618,000 | 26,644,000 |
| Allowance for loan losses | 130,000 | 130,000 | 130,000 | 130,000 |
| Securities available for sale | 1,331,000 | 703,000 | 1,601,000 | 2,598,000 |
| Securities held to maturity | 7,030,000 | 8,723,000 | 9,525,000 | 9,947,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,406,000 | 52,901,000 | 54,853,000 | 55,049,000 |
| Interest-bearing deposits | 44,447,000 | 46,193,000 | 47,680,000 | 47,505,000 |
| Noninterest-bearing deposits | 5,959,000 | 6,708,000 | 7,173,000 | 7,544,000 |
| Equity capital | 4,912,000 | 4,968,000 | 5,023,000 | 5,030,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 458,000 | 900,000 | 1,331,000 | 1,740,000 |
| Interest expense | 124,000 | 241,000 | 347,000 | 435,000 |
| Net interest income | 334,000 | 659,000 | 984,000 | 1,305,000 |
| Noninterest income | 32,000 | 65,000 | 102,000 | 140,000 |
| Noninterest expense | 296,000 | 587,000 | 876,000 | 1,212,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 70,000 | 139,000 | 212,000 | 235,000 |
| Income tax | 13,000 | 23,000 | 36,000 | 50,000 |
| Net income | 57,000 | 116,000 | 176,000 | 185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,907,000 | 4,966,000 | 5,026,000 | 5,035,000 |
| Total capital | 5,037,000 | — | — | — |
| Risk-weighted assets | 18,899,000 | — | — | — |