Call reports 2005
NORTH COUNTRY SAVINGS BANK, THE — 2005
What NORTH COUNTRY SAVINGS BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 221,190,000 | 224,687,000 | 231,398,000 | 235,847,000 |
| Total loans | 172,183,000 | 177,280,000 | 185,688,000 | 190,944,000 |
| Allowance for loan losses | 856,000 | 861,000 | 872,000 | 768,000 |
| Securities available for sale | 29,512,000 | 29,617,000 | 28,346,000 | 28,479,000 |
| Securities held to maturity | 437,000 | 396,000 | 372,000 | 351,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,924,000 | 177,187,000 | 175,970,000 | 178,936,000 |
| Interest-bearing deposits | 167,449,000 | 167,868,000 | 166,195,000 | 166,832,000 |
| Noninterest-bearing deposits | 8,475,000 | 9,319,000 | 9,775,000 | 12,103,000 |
| Equity capital | 28,752,000 | 29,113,000 | 29,244,000 | 29,269,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,931,000 | 5,870,000 | 8,943,000 | 12,130,000 |
| Interest expense | 926,000 | 1,892,000 | 2,965,000 | 4,170,000 |
| Net interest income | 2,005,000 | 3,978,000 | 5,978,000 | 7,960,000 |
| Noninterest income | 257,000 | 528,000 | 827,000 | 1,127,000 |
| Noninterest expense | 1,773,000 | 3,639,000 | 5,481,000 | 7,412,000 |
| Provision for loan losses | 49,000 | 99,000 | 103,000 | 153,000 |
| Pretax income | 436,000 | 764,000 | 1,217,000 | 1,328,000 |
| Income tax | 167,000 | 300,000 | 485,000 | 583,000 |
| Net income | 269,000 | 464,000 | 732,000 | 745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,702,000 | 28,896,000 | 29,188,000 | 29,427,000 |
| Total capital | 29,558,000 | 29,757,000 | 30,060,000 | 30,195,000 |
| Risk-weighted assets | 117,067,000 | 119,481,000 | 124,396,000 | 127,527,000 |
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