Call reports 2012
NORTH COUNTRY SAVINGS BANK, THE — 2012
What NORTH COUNTRY SAVINGS BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 234,751,000 | 236,645,000 | 231,819,000 | 231,358,000 |
| Total loans | 190,733,000 | 190,446,000 | 191,458,000 | 188,829,000 |
| Allowance for loan losses | 997,000 | 979,000 | 959,000 | 893,000 |
| Securities available for sale | 6,316,000 | 6,132,000 | 8,052,000 | 7,827,000 |
| Securities held to maturity | 96,000 | 92,000 | 86,000 | 80,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,694,000 | 191,515,000 | 186,588,000 | 186,766,000 |
| Interest-bearing deposits | 174,807,000 | 176,799,000 | 172,397,000 | 173,213,000 |
| Noninterest-bearing deposits | 14,887,000 | 14,716,000 | 14,191,000 | 13,553,000 |
| Equity capital | 30,038,000 | 30,215,000 | 30,379,000 | 29,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,726,000 | 5,390,000 | 7,985,000 | 10,492,000 |
| Interest expense | 540,000 | 1,028,000 | 1,460,000 | 1,863,000 |
| Net interest income | 2,186,000 | 4,362,000 | 6,525,000 | 8,629,000 |
| Noninterest income | 414,000 | 857,000 | 1,279,000 | 1,706,000 |
| Noninterest expense | 2,479,000 | 4,871,000 | 7,181,000 | 10,638,000 |
| Provision for loan losses | 25,000 | 27,000 | 89,000 | 90,000 |
| Pretax income | 96,000 | 321,000 | 535,000 | -357,000 |
| Income tax | 17,000 | 83,000 | 145,000 | -107,000 |
| Net income | 79,000 | 238,000 | 390,000 | -250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,869,000 | 33,183,000 | 34,050,000 | 33,356,000 |
| Total capital | 33,866,000 | 34,162,000 | 35,009,000 | 34,249,000 |
| Risk-weighted assets | 132,464,000 | 129,745,000 | 133,029,000 | 130,530,000 |