Call reports 2016
NORTH COUNTRY SAVINGS BANK, THE — 2016
What NORTH COUNTRY SAVINGS BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 246,645,000 | 250,471,000 | 246,894,000 | 249,520,000 |
| Total loans | 195,873,000 | 197,615,000 | 200,141,000 | 201,831,000 |
| Allowance for loan losses | 676,000 | 665,000 | 665,000 | 762,000 |
| Securities available for sale | 3,181,000 | 3,172,000 | 3,128,000 | 3,044,000 |
| Securities held to maturity | 27,000 | 24,000 | 22,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,441,000 | 193,412,000 | 189,960,000 | 192,746,000 |
| Interest-bearing deposits | 170,829,000 | 172,878,000 | 167,805,000 | 172,268,000 |
| Noninterest-bearing deposits | 18,612,000 | 20,534,000 | 22,155,000 | 20,478,000 |
| Equity capital | 31,149,000 | 31,286,000 | 31,338,000 | 31,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,373,000 | 4,733,000 | 7,131,000 | 9,526,000 |
| Interest expense | 324,000 | 645,000 | 969,000 | 1,275,000 |
| Net interest income | 2,049,000 | 4,088,000 | 6,162,000 | 8,251,000 |
| Noninterest income | 451,000 | 833,000 | 1,280,000 | 1,791,000 |
| Noninterest expense | 2,287,000 | 4,517,000 | 6,912,000 | 9,353,000 |
| Provision for loan losses | 61,000 | 65,000 | 93,000 | 144,000 |
| Pretax income | 152,000 | 339,000 | 437,000 | 538,000 |
| Income tax | 42,000 | 102,000 | 134,000 | 5,000 |
| Net income | 110,000 | 237,000 | 303,000 | 533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,199,000 | 36,313,000 | 36,375,000 | 36,602,000 |
| Total capital | 36,875,000 | 36,978,000 | 37,040,000 | 37,364,000 |
| Risk-weighted assets | 141,417,000 | 147,564,000 | 149,696,000 | 150,367,000 |