Call reports 2013
NORTH COUNTRY SAVINGS BANK, THE — 2013
What NORTH COUNTRY SAVINGS BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 232,359,000 | 233,882,000 | 232,360,000 | 239,229,000 |
| Total loans | 187,127,000 | 187,488,000 | 189,560,000 | 191,020,000 |
| Allowance for loan losses | 894,000 | 848,000 | 725,000 | 730,000 |
| Securities available for sale | 7,626,000 | 6,893,000 | 6,702,000 | 6,567,000 |
| Securities held to maturity | 75,000 | 70,000 | 66,000 | 61,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,642,000 | 190,383,000 | 188,762,000 | 189,017,000 |
| Interest-bearing deposits | 173,239,000 | 175,554,000 | 173,902,000 | 174,350,000 |
| Noninterest-bearing deposits | 14,403,000 | 14,829,000 | 14,860,000 | 14,667,000 |
| Equity capital | 29,874,000 | 29,959,000 | 30,123,000 | 32,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,405,000 | 4,739,000 | 7,050,000 | 9,321,000 |
| Interest expense | 373,000 | 740,000 | 1,091,000 | 1,430,000 |
| Net interest income | 2,032,000 | 3,999,000 | 5,959,000 | 7,891,000 |
| Noninterest income | 467,000 | 935,000 | 1,456,000 | 1,970,000 |
| Noninterest expense | 2,258,000 | 4,421,000 | 6,609,000 | 8,862,000 |
| Provision for loan losses | 74,000 | 96,000 | 154,000 | 184,000 |
| Pretax income | 167,000 | 423,000 | 658,000 | 797,000 |
| Income tax | 42,000 | 116,000 | 185,000 | 258,000 |
| Net income | 125,000 | 307,000 | 473,000 | 539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,176,000 | 33,342,000 | 33,544,000 | 33,079,000 |
| Total capital | 34,070,000 | 34,190,000 | 34,269,000 | 33,809,000 |
| Risk-weighted assets | 131,823,000 | 133,107,000 | 134,782,000 | 140,685,000 |
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