Call reports 2011
NORTH COUNTRY SAVINGS BANK, THE — 2011
What NORTH COUNTRY SAVINGS BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 236,456,000 | 239,696,000 | 236,883,000 | 232,402,000 |
| Total loans | 197,792,000 | 197,539,000 | 197,068,000 | 194,680,000 |
| Allowance for loan losses | 981,000 | 986,000 | 973,000 | 1,002,000 |
| Securities available for sale | 5,163,000 | 4,452,000 | 5,447,000 | 5,366,000 |
| Securities held to maturity | 117,000 | 111,000 | 105,000 | 101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,256,000 | 189,510,000 | 189,824,000 | 187,106,000 |
| Interest-bearing deposits | 173,758,000 | 14,582,000 | 173,651,000 | 173,422,000 |
| Noninterest-bearing deposits | 12,498,000 | 174,928,000 | 16,173,000 | 13,684,000 |
| Equity capital | 30,955,000 | 31,136,000 | 31,448,000 | 29,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,947,000 | 5,836,000 | 8,686,000 | 11,474,000 |
| Interest expense | 674,000 | 1,324,000 | 1,941,000 | 2,507,000 |
| Net interest income | 2,273,000 | 4,512,000 | 6,745,000 | 8,967,000 |
| Noninterest income | 424,000 | 865,000 | 1,309,000 | 1,788,000 |
| Noninterest expense | 2,256,000 | 4,640,000 | 6,850,000 | 9,164,000 |
| Provision for loan losses | 21,000 | 78,000 | 119,000 | 198,000 |
| Pretax income | 421,000 | 658,000 | 1,084,000 | 1,392,000 |
| Income tax | 150,000 | 227,000 | 378,000 | 505,000 |
| Net income | 271,000 | 431,000 | 706,000 | 887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,198,000 | 31,066,000 | 31,242,000 | 32,928,000 |
| Total capital | 32,179,000 | 32,052,000 | 32,215,000 | 33,930,000 |
| Risk-weighted assets | 135,076,000 | 136,337,000 | 136,984,000 | 133,307,000 |
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