Call reports 2008
NORTH COUNTRY SAVINGS BANK, THE — 2008
What NORTH COUNTRY SAVINGS BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 243,257,000 | 242,657,000 | 241,165,000 | 242,132,000 |
| Total loans | 202,452,000 | 202,330,000 | 202,592,000 | 203,870,000 |
| Allowance for loan losses | 721,000 | 691,000 | 730,000 | 880,000 |
| Securities available for sale | 13,564,000 | 14,488,000 | 14,375,000 | 14,640,000 |
| Securities held to maturity | 214,000 | 204,000 | 194,000 | 179,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,909,000 | 176,932,000 | 175,930,000 | 180,991,000 |
| Interest-bearing deposits | 162,816,000 | 164,942,000 | 163,382,000 | 169,558,000 |
| Noninterest-bearing deposits | 11,093,000 | 11,990,000 | 12,548,000 | 11,433,000 |
| Equity capital | 30,178,000 | 30,301,000 | 30,319,000 | 28,520,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,607,000 | 7,098,000 | 10,570,000 | 14,011,000 |
| Interest expense | 1,618,000 | 3,019,000 | 4,341,000 | 5,619,000 |
| Net interest income | 1,989,000 | 4,079,000 | 6,229,000 | 8,392,000 |
| Noninterest income | 364,000 | 767,000 | 1,191,000 | 1,614,000 |
| Noninterest expense | 1,965,000 | 4,048,000 | 6,236,000 | 8,150,000 |
| Provision for loan losses | 72,000 | 134,000 | 230,000 | 450,000 |
| Pretax income | 317,000 | 666,000 | 212,000 | 664,000 |
| Income tax | 114,000 | 239,000 | -23,000 | 125,000 |
| Net income | 203,000 | 427,000 | 235,000 | 539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,756,000 | 30,967,000 | 31,138,000 | 31,387,000 |
| Total capital | 31,477,000 | 31,658,000 | 31,868,000 | 32,267,000 |
| Risk-weighted assets | 133,408,000 | 136,533,000 | 136,009,000 | 135,618,000 |
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