Call reports 2022
NORTH COUNTY SAVINGS BANK — 2022
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 68,335,000 | 69,109,000 | 66,705,000 | 65,541,000 |
| Total loans | 26,695,000 | 26,811,000 | 26,987,000 | 26,921,000 |
| Allowance for loan losses | 130,000 | 130,000 | 136,000 | 144,000 |
| Securities available for sale | 12,415,000 | 13,268,000 | 13,470,000 | 14,481,000 |
| Securities held to maturity | 9,980,000 | 10,437,000 | 10,657,000 | 12,637,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,644,000 | 64,612,000 | 62,454,000 | 59,807,000 |
| Interest-bearing deposits | 53,671,000 | 54,643,000 | 53,048,000 | 51,260,000 |
| Noninterest-bearing deposits | 9,973,000 | 9,969,000 | 9,406,000 | 8,547,000 |
| Equity capital | 4,578,000 | 4,397,000 | 4,149,000 | 4,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 386,000 | 795,000 | 1,212,000 | 1,633,000 |
| Interest expense | 43,000 | 83,000 | 122,000 | 178,000 |
| Net interest income | 343,000 | 712,000 | 1,090,000 | 1,455,000 |
| Noninterest income | 36,000 | 76,000 | 114,000 | 65,000 |
| Noninterest expense | 326,000 | 654,000 | 980,000 | 1,355,000 |
| Provision for loan losses | 0 | 7,000 | 13,000 | 21,000 |
| Pretax income | 53,000 | 127,000 | 211,000 | 144,000 |
| Income tax | 5,000 | 14,000 | 27,000 | 31,000 |
| Net income | 48,000 | 113,000 | 184,000 | 113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,248,000 | 5,314,000 | 5,385,000 | 5,314,000 |
| Total capital | 5,378,000 | 5,444,000 | 5,521,000 | 5,458,000 |
| Risk-weighted assets | 22,244,000 | 22,401,000 | 22,661,000 | 23,120,000 |