Call reports 2018
NORTH COUNTRY SAVINGS BANK, THE — 2018
What NORTH COUNTRY SAVINGS BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 250,577,000 | 251,612,000 | 258,005,000 | 257,521,000 |
| Total loans | 206,137,000 | 208,718,000 | 214,288,000 | 218,152,000 |
| Allowance for loan losses | 746,000 | 783,000 | 786,000 | 759,000 |
| Securities available for sale | 2,301,000 | 2,265,000 | 1,855,000 | 1,852,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,879,000 | 196,057,000 | 193,477,000 | 192,726,000 |
| Interest-bearing deposits | 171,093,000 | 171,501,000 | 166,826,000 | 168,097,000 |
| Noninterest-bearing deposits | 23,786,000 | 24,556,000 | 26,651,000 | 24,629,000 |
| Equity capital | 34,132,000 | 34,394,000 | 34,820,000 | 32,966,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,498,000 | 5,021,000 | 7,609,000 | 10,298,000 |
| Interest expense | 291,000 | 573,000 | 894,000 | 1,293,000 |
| Net interest income | 2,207,000 | 4,448,000 | 6,715,000 | 9,005,000 |
| Noninterest income | 426,000 | 870,000 | 1,263,000 | 1,755,000 |
| Noninterest expense | 2,026,000 | 4,315,000 | 6,375,000 | 8,647,000 |
| Provision for loan losses | 47,000 | 108,000 | 176,000 | 213,000 |
| Pretax income | 560,000 | 895,000 | 1,427,000 | 1,900,000 |
| Income tax | 109,000 | 172,000 | 276,000 | 326,000 |
| Net income | 451,000 | 723,000 | 1,151,000 | 1,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,388,000 | 39,659,000 | 40,087,000 | 40,510,000 |
| Total capital | 40,134,000 | 40,442,000 | 40,873,000 | 41,269,000 |
| Risk-weighted assets | 152,286,000 | 155,835,000 | 160,194,000 | 162,483,000 |