Call reports 2015
NORTH COUNTRY SAVINGS BANK, THE — 2015
What NORTH COUNTRY SAVINGS BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 239,669,000 | 239,129,000 | 245,582,000 | 245,999,000 |
| Total loans | 194,961,000 | 195,981,000 | 198,050,000 | 197,184,000 |
| Allowance for loan losses | 682,000 | 670,000 | 670,000 | 676,000 |
| Securities available for sale | 3,297,000 | 3,229,000 | 3,238,000 | 3,159,000 |
| Securities held to maturity | 42,000 | 35,000 | 33,000 | 31,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,453,000 | 185,872,000 | 186,496,000 | 187,288,000 |
| Interest-bearing deposits | 170,082,000 | 170,379,000 | 168,511,000 | 170,799,000 |
| Noninterest-bearing deposits | 16,371,000 | 15,493,000 | 17,985,000 | 16,489,000 |
| Equity capital | 32,162,000 | 32,344,000 | 32,623,000 | 31,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,442,000 | 4,850,000 | 7,246,000 | 9,624,000 |
| Interest expense | 292,000 | 587,000 | 897,000 | 1,213,000 |
| Net interest income | 2,150,000 | 4,263,000 | 6,349,000 | 8,411,000 |
| Noninterest income | 428,000 | 904,000 | 1,382,000 | 1,838,000 |
| Noninterest expense | 2,133,000 | 4,363,000 | 6,491,000 | 8,762,000 |
| Provision for loan losses | 46,000 | 91,000 | 127,000 | 145,000 |
| Pretax income | 399,000 | 713,000 | 1,113,000 | 1,342,000 |
| Income tax | 140,000 | 247,000 | 388,000 | 490,000 |
| Net income | 259,000 | 466,000 | 725,000 | 852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,496,000 | 35,703,000 | 35,962,000 | 36,089,000 |
| Total capital | 36,178,000 | 36,373,000 | 36,632,000 | 36,765,000 |
| Risk-weighted assets | 136,894,000 | 137,701,000 | 141,816,000 | 142,389,000 |