Call reports 2004
NORTH COUNTRY SAVINGS BANK, THE — 2004
What NORTH COUNTRY SAVINGS BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 210,646,000 | 212,579,000 | 221,130,000 | 220,760,000 |
| Total loans | 149,683,000 | 153,772,000 | 164,515,000 | 170,468,000 |
| Allowance for loan losses | 879,000 | 933,000 | 901,000 | 837,000 |
| Securities available for sale | 41,751,000 | 40,381,000 | 37,379,000 | 30,788,000 |
| Securities held to maturity | 639,000 | 561,000 | 501,000 | 469,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,841,000 | 177,322,000 | 175,761,000 | 175,352,000 |
| Interest-bearing deposits | 168,593,000 | 169,126,000 | 167,789,000 | 167,641,000 |
| Noninterest-bearing deposits | 7,248,000 | 8,196,000 | 7,972,000 | 7,711,000 |
| Equity capital | 28,477,000 | 28,048,000 | 28,648,000 | 28,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,775,000 | 5,536,000 | 8,381,000 | 11,296,000 |
| Interest expense | 847,000 | 1,660,000 | 2,530,000 | 3,441,000 |
| Net interest income | 1,928,000 | 3,876,000 | 5,851,000 | 7,855,000 |
| Noninterest income | 230,000 | 478,000 | 733,000 | 1,022,000 |
| Noninterest expense | 1,624,000 | 3,413,000 | 5,235,000 | 7,175,000 |
| Provision for loan losses | 56,000 | 110,000 | 163,000 | 220,000 |
| Pretax income | 478,000 | 831,000 | 1,186,000 | 1,548,000 |
| Income tax | 176,000 | 303,000 | 429,000 | 532,000 |
| Net income | 302,000 | 528,000 | 757,000 | 1,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,869,000 | 27,958,000 | 28,207,000 | 28,435,000 |
| Total capital | 28,748,000 | 28,891,000 | 29,108,000 | 29,272,000 |
| Risk-weighted assets | 111,706,000 | 113,264,000 | 117,490,000 | 116,984,000 |
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