Call reports 2024
NORTH COUNTY SAVINGS BANK — 2024
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 65,352,000 | 64,321,000 | 63,306,000 | 61,352,000 |
| Total loans | 26,561,000 | 26,807,000 | 27,017,000 | 27,568,000 |
| Allowance for loan losses | 141,000 | 141,000 | 141,000 | 135,000 |
| Securities available for sale | 15,208,000 | 15,703,000 | 16,137,000 | 15,328,000 |
| Securities held to maturity | 11,205,000 | 11,034,000 | 10,663,000 | 10,093,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,713,000 | 59,611,000 | 58,275,000 | 56,554,000 |
| Interest-bearing deposits | 52,285,000 | 50,910,000 | 50,232,000 | 48,358,000 |
| Noninterest-bearing deposits | 8,428,000 | 8,701,000 | 8,043,000 | 8,196,000 |
| Equity capital | 4,414,000 | 4,457,000 | 4,696,000 | 4,558,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 468,000 | 969,000 | 1,469,000 | 1,970,000 |
| Interest expense | 243,000 | 485,000 | 728,000 | 968,000 |
| Net interest income | 225,000 | 484,000 | 741,000 | 1,002,000 |
| Noninterest income | 48,000 | 91,000 | 135,000 | 175,000 |
| Noninterest expense | 329,000 | 659,000 | 1,003,000 | 1,383,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -56,000 | -84,000 | -127,000 | -206,000 |
| Income tax | -11,000 | -17,000 | -26,000 | -45,000 |
| Net income | -45,000 | -67,000 | -101,000 | -161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,254,000 | 5,232,000 | 5,198,000 | 5,138,000 |
| Total capital | 5,395,000 | 5,373,000 | 5,339,000 | 5,273,000 |
| Risk-weighted assets | 23,183,000 | 23,299,000 | 23,285,000 | 23,547,000 |