Call reports 2010
NORTH COUNTRY SAVINGS BANK, THE — 2010
What NORTH COUNTRY SAVINGS BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 240,364,000 | 243,316,000 | 235,303,000 | 237,924,000 |
| Total loans | 201,542,000 | 201,608,000 | 201,666,000 | 199,806,000 |
| Allowance for loan losses | 1,046,000 | 1,002,000 | 996,000 | 994,000 |
| Securities available for sale | 6,074,000 | 5,847,000 | 5,634,000 | 5,437,000 |
| Securities held to maturity | 147,000 | 138,000 | 129,000 | 122,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,454,000 | 189,716,000 | 186,750,000 | 187,330,000 |
| Interest-bearing deposits | 174,192,000 | 177,308,000 | 173,099,000 | 174,433,000 |
| Noninterest-bearing deposits | 12,262,000 | 12,408,000 | 13,651,000 | 12,897,000 |
| Equity capital | 29,922,000 | 30,127,000 | 30,347,000 | 30,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,118,000 | 6,173,000 | 9,248,000 | 12,261,000 |
| Interest expense | 843,000 | 1,726,000 | 2,522,000 | 3,247,000 |
| Net interest income | 2,275,000 | 4,447,000 | 6,726,000 | 9,014,000 |
| Noninterest income | 428,000 | 891,000 | 1,337,000 | 1,791,000 |
| Noninterest expense | 2,293,000 | 4,601,000 | 7,002,000 | 9,364,000 |
| Provision for loan losses | 95,000 | 143,000 | 173,000 | 230,000 |
| Pretax income | 315,000 | 594,000 | 888,000 | 1,198,000 |
| Income tax | 108,000 | 222,000 | 322,000 | 443,000 |
| Net income | 207,000 | 372,000 | 566,000 | 755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,224,000 | 32,373,000 | 32,567,000 | 32,774,000 |
| Total capital | 33,270,000 | 33,375,000 | 33,563,000 | 33,768,000 |
| Risk-weighted assets | 131,165,000 | 131,693,000 | 136,128,000 | 136,013,000 |
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