Call reports 2025
NORTH COUNTY SAVINGS BANK — 2025
What NORTH COUNTY SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 61,530,000 | 63,568,000 | 63,696,000 | 63,507,000 |
| Total loans | 27,280,000 | 27,196,000 | 27,369,000 | 27,694,000 |
| Allowance for loan losses | 132,000 | 132,000 | 132,000 | 132,000 |
| Securities available for sale | 15,708,000 | 15,348,000 | 16,734,000 | 16,569,000 |
| Securities held to maturity | 9,481,000 | 9,604,000 | 9,746,000 | 9,061,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,530,000 | 58,491,000 | 58,580,000 | 58,279,000 |
| Interest-bearing deposits | 47,471,000 | 49,428,000 | 49,597,000 | 48,963,000 |
| Noninterest-bearing deposits | 9,059,000 | 9,063,000 | 8,983,000 | 9,316,000 |
| Equity capital | 4,677,000 | 4,779,000 | 4,873,000 | 5,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 495,000 | 1,026,000 | 1,578,000 | 2,164,000 |
| Interest expense | 222,000 | 443,000 | 668,000 | 895,000 |
| Net interest income | 273,000 | 583,000 | 910,000 | 1,269,000 |
| Noninterest income | 38,000 | 79,000 | 118,000 | 159,000 |
| Noninterest expense | 331,000 | 664,000 | 1,013,000 | 1,360,000 |
| Provision for loan losses | 8,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | -28,000 | -10,000 | 7,000 | 60,000 |
| Income tax | -22,000 | -25,000 | -25,000 | -25,000 |
| Net income | -6,000 | 15,000 | 32,000 | 85,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,132,000 | 5,153,000 | 5,170,000 | 5,224,000 |
| Total capital | 5,264,000 | 5,285,000 | 5,302,000 | 5,356,000 |
| Risk-weighted assets | 23,297,000 | 23,181,000 | 23,299,000 | 23,535,000 |