Call reports 2021
NORTH COUNTY SAVINGS BANK — 2021
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 64,102,000 | 66,076,000 | 67,369,000 | 65,868,000 |
| Total loans | 26,190,000 | 26,023,000 | 26,652,000 | 26,844,000 |
| Allowance for loan losses | 130,000 | 130,000 | 130,000 | 130,000 |
| Securities available for sale | 5,129,000 | 7,409,000 | 9,054,000 | 10,409,000 |
| Securities held to maturity | 9,865,000 | 9,892,000 | 9,995,000 | 9,923,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,976,000 | 60,890,000 | 62,138,000 | 60,723,000 |
| Interest-bearing deposits | 50,841,000 | 52,255,000 | 53,010,000 | 51,680,000 |
| Noninterest-bearing deposits | 8,135,000 | 8,635,000 | 9,128,000 | 9,043,000 |
| Equity capital | 5,041,000 | 5,099,000 | 5,144,000 | 5,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 394,000 | 784,000 | 1,169,000 | 1,556,000 |
| Interest expense | 66,000 | 126,000 | 183,000 | 232,000 |
| Net interest income | 328,000 | 658,000 | 986,000 | 1,324,000 |
| Noninterest income | 37,000 | 78,000 | 116,000 | 156,000 |
| Noninterest expense | 296,000 | 605,000 | 915,000 | 1,272,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 69,000 | 131,000 | 187,000 | 208,000 |
| Income tax | 8,000 | 14,000 | 18,000 | 43,000 |
| Net income | 61,000 | 117,000 | 169,000 | 165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,096,000 | 5,152,000 | 5,204,000 | 5,200,000 |
| Total capital | — | — | 5,334,000 | 5,330,000 |
| Risk-weighted assets | — | — | 21,798,000 | 23,781,000 |