Call reports 2017
NORTH COUNTRY SAVINGS BANK, THE — 2017
What NORTH COUNTRY SAVINGS BANK, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 250,269,000 | 253,500,000 | 250,185,000 | 245,625,000 |
| Total loans | 201,376,000 | 202,868,000 | 205,200,000 | 207,004,000 |
| Allowance for loan losses | 725,000 | 718,000 | 775,000 | 768,000 |
| Securities available for sale | 3,016,000 | 2,439,000 | 2,406,000 | 2,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,431,000 | 196,736,000 | 195,011,000 | 190,134,000 |
| Interest-bearing deposits | 172,320,000 | 173,778,000 | 169,686,000 | 168,769,000 |
| Noninterest-bearing deposits | 21,111,000 | 22,958,000 | 25,325,000 | 21,365,000 |
| Equity capital | 31,751,000 | 31,918,000 | 32,155,000 | 33,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,368,000 | 4,753,000 | 7,203,000 | 9,659,000 |
| Interest expense | 323,000 | 641,000 | 959,000 | 1,269,000 |
| Net interest income | 2,045,000 | 4,112,000 | 6,244,000 | 8,390,000 |
| Noninterest income | 441,000 | 878,000 | 1,310,000 | 1,807,000 |
| Noninterest expense | 2,179,000 | 4,404,000 | 6,530,000 | 8,944,000 |
| Provision for loan losses | 39,000 | 80,000 | 159,000 | 160,000 |
| Pretax income | 264,000 | 481,000 | 840,000 | 1,068,000 |
| Income tax | 83,000 | 155,000 | 272,000 | -386,000 |
| Net income | 181,000 | 326,000 | 568,000 | 1,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,781,000 | 36,948,000 | 37,189,000 | 38,936,000 |
| Total capital | 37,506,000 | 37,666,000 | 37,964,000 | 39,704,000 |
| Risk-weighted assets | 150,092,000 | 151,479,000 | 150,471,000 | 152,525,000 |