Call reports 2019
NORTH COUNTRY SAVINGS BANK, THE — 2019
What NORTH COUNTRY SAVINGS BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 257,102,000 | 262,463,000 | 264,829,000 | 266,166,000 |
| Total loans | 217,348,000 | 219,331,000 | 225,036,000 | 227,436,000 |
| Allowance for loan losses | 778,000 | 771,000 | 793,000 | 678,000 |
| Securities available for sale | 1,844,000 | 1,833,000 | 1,808,000 | 1,779,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,942,000 | 201,862,000 | 200,997,000 | 200,859,000 |
| Interest-bearing deposits | 168,236,000 | 175,958,000 | 172,324,000 | 176,344,000 |
| Noninterest-bearing deposits | 25,706,000 | 25,904,000 | 28,673,000 | 24,515,000 |
| Equity capital | 33,330,000 | 33,593,000 | 33,982,000 | 34,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,758,000 | 5,558,000 | 8,413,000 | 11,236,000 |
| Interest expense | 367,000 | 766,000 | 1,198,000 | 1,659,000 |
| Net interest income | 2,391,000 | 4,792,000 | 7,215,000 | 9,577,000 |
| Noninterest income | 430,000 | 900,000 | 1,366,000 | 1,823,000 |
| Noninterest expense | 2,271,000 | 4,793,000 | 7,139,000 | 10,036,000 |
| Provision for loan losses | 112,000 | 145,000 | 202,000 | 232,000 |
| Pretax income | 438,000 | 754,000 | 1,240,000 | 1,132,000 |
| Income tax | 84,000 | 145,000 | 240,000 | 229,000 |
| Net income | 354,000 | 609,000 | 1,000,000 | 903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,864,000 | 41,119,000 | 41,510,000 | 41,413,000 |
| Total capital | 41,642,000 | 41,890,000 | 42,303,000 | 42,091,000 |
| Risk-weighted assets | 161,232,000 | 163,889,000 | 170,689,000 | 169,640,000 |
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