Call reports 2006
NORTH COUNTRY SAVINGS BANK, THE — 2006
What NORTH COUNTRY SAVINGS BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 237,735,000 | 242,058,000 | 250,077,000 | 246,535,000 |
| Total loans | 193,134,000 | 197,562,000 | 205,211,000 | 205,256,000 |
| Allowance for loan losses | 807,000 | 802,000 | 788,000 | 762,000 |
| Securities available for sale | 26,934,000 | 26,022,000 | 26,293,000 | 22,327,000 |
| Securities held to maturity | 335,000 | 314,000 | 294,000 | 275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,287,000 | 175,071,000 | 177,116,000 | 175,939,000 |
| Interest-bearing deposits | 167,237,000 | 165,518,000 | 166,989,000 | 166,483,000 |
| Noninterest-bearing deposits | 12,050,000 | 9,553,000 | 10,127,000 | 9,456,000 |
| Equity capital | 29,316,000 | 29,460,000 | 29,776,000 | 30,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,245,000 | 6,528,000 | 9,976,000 | 13,545,000 |
| Interest expense | 1,277,000 | 2,666,000 | 4,270,000 | 6,023,000 |
| Net interest income | 1,968,000 | 3,862,000 | 5,706,000 | 7,522,000 |
| Noninterest income | 255,000 | 578,000 | 878,000 | 1,157,000 |
| Noninterest expense | 1,932,000 | 3,915,000 | 5,867,000 | 7,705,000 |
| Provision for loan losses | 31,000 | 43,000 | 45,000 | 49,000 |
| Pretax income | 260,000 | 482,000 | 672,000 | 842,000 |
| Income tax | 91,000 | 167,000 | 194,000 | 142,000 |
| Net income | 169,000 | 315,000 | 478,000 | 700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,591,000 | 29,733,000 | 29,904,000 | 30,214,000 |
| Total capital | 30,398,000 | 30,535,000 | 30,692,000 | 30,976,000 |
| Risk-weighted assets | 128,036,000 | 130,567,000 | 135,117,000 | 133,107,000 |
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