Call reports 2009
NORTH COUNTRY SAVINGS BANK, THE — 2009
What NORTH COUNTRY SAVINGS BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 247,314,000 | 248,095,000 | 239,738,000 | 237,518,000 |
| Total loans | 201,797,000 | 201,262,000 | 203,271,000 | 202,823,000 |
| Allowance for loan losses | 934,000 | 1,024,000 | 991,000 | 935,000 |
| Securities available for sale | 14,780,000 | 11,946,000 | 9,140,000 | 6,358,000 |
| Securities held to maturity | 172,000 | 166,000 | 158,000 | 153,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,174,000 | 187,518,000 | 186,065,000 | 183,425,000 |
| Interest-bearing deposits | 175,546,000 | 175,670,000 | 174,215,000 | 171,136,000 |
| Noninterest-bearing deposits | 10,627,000 | 11,848,000 | 11,850,000 | 12,289,000 |
| Equity capital | 28,754,000 | 28,893,000 | 29,137,000 | 29,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,381,000 | 6,749,000 | 10,033,000 | 13,228,000 |
| Interest expense | 1,185,000 | 2,380,000 | 3,413,000 | 4,333,000 |
| Net interest income | 2,196,000 | 4,369,000 | 6,620,000 | 8,895,000 |
| Noninterest income | 380,000 | 819,000 | 1,268,000 | 1,728,000 |
| Noninterest expense | 2,106,000 | 4,430,000 | 6,875,000 | 9,251,000 |
| Provision for loan losses | 102,000 | 242,000 | 303,000 | 395,000 |
| Pretax income | 368,000 | 516,000 | 710,000 | 940,000 |
| Income tax | 134,000 | 177,000 | 239,000 | 364,000 |
| Net income | 234,000 | 339,000 | 471,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,626,000 | 31,715,000 | 31,899,000 | 32,019,000 |
| Total capital | 32,560,000 | 32,739,000 | 32,890,000 | 32,954,000 |
| Risk-weighted assets | 137,281,000 | 135,924,000 | 134,148,000 | 131,755,000 |
Machine access — free, no API key
Every figure shown here about NORTH COUNTRY SAVINGS BANK, THE — 2009 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.