Call reports 2023
NORTH COUNTY SAVINGS BANK — 2023
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 66,136,000 | 66,714,000 | 65,668,000 | 65,329,000 |
| Total loans | 26,628,000 | 26,614,000 | 26,112,000 | 27,197,000 |
| Allowance for loan losses | 145,000 | 145,000 | 145,000 | 141,000 |
| Securities available for sale | 15,746,000 | 15,688,000 | 15,598,000 | 16,058,000 |
| Securities held to maturity | 12,587,000 | 12,268,000 | 12,248,000 | 11,781,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,642,000 | 62,274,000 | 59,260,000 | 58,530,000 |
| Interest-bearing deposits | 52,168,000 | 52,852,000 | 50,303,000 | 49,574,000 |
| Noninterest-bearing deposits | 9,474,000 | 9,422,000 | 8,957,000 | 8,956,000 |
| Equity capital | 4,358,000 | 4,298,000 | 4,231,000 | 4,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 448,000 | 912,000 | 1,385,000 | 1,869,000 |
| Interest expense | 109,000 | 255,000 | 430,000 | 680,000 |
| Net interest income | 339,000 | 657,000 | 955,000 | 1,189,000 |
| Noninterest income | 39,000 | 79,000 | 120,000 | 163,000 |
| Noninterest expense | 340,000 | 678,000 | 1,015,000 | 1,367,000 |
| Provision for loan losses | 1,000 | 1,000 | 1,000 | 1,000 |
| Pretax income | 37,000 | 57,000 | 59,000 | -16,000 |
| Income tax | 2,000 | 2,000 | 2,000 | -2,000 |
| Net income | 35,000 | 55,000 | 57,000 | -14,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,348,000 | 5,369,000 | 5,371,000 | 5,300,000 |
| Total capital | 5,493,000 | 5,514,000 | 5,516,000 | 5,441,000 |
| Risk-weighted assets | 22,841,000 | 23,034,000 | 22,711,000 | 23,589,000 |