Call reports 2022
NORTH COUNTRY SAVINGS BANK, THE — 2022
What NORTH COUNTRY SAVINGS BANK, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 317,905,000 | 316,537,000 | 317,594,000 | 304,279,000 |
| Total loans | 238,618,000 | 240,439,000 | 245,731,000 | 251,206,000 |
| Allowance for loan losses | 902,000 | 882,000 | 887,000 | 1,002,000 |
| Securities available for sale | 1,043,000 | 3,937,000 | 3,622,000 | 3,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,535,000 | 259,833,000 | 260,810,000 | 252,947,000 |
| Interest-bearing deposits | 222,668,000 | 221,365,000 | 217,385,000 | 214,284,000 |
| Noninterest-bearing deposits | 36,867,000 | 38,468,000 | 43,425,000 | 38,663,000 |
| Equity capital | 40,012,000 | 40,354,000 | 40,542,000 | 37,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,389,000 | 4,867,000 | 7,701,000 | 10,665,000 |
| Interest expense | 257,000 | 517,000 | 780,000 | 1,042,000 |
| Net interest income | 2,132,000 | 4,350,000 | 6,921,000 | 9,623,000 |
| Noninterest income | 861,000 | 1,734,000 | 2,613,000 | 3,468,000 |
| Noninterest expense | 2,472,000 | 5,050,000 | 7,917,000 | 11,020,000 |
| Provision for loan losses | 53,000 | 62,000 | 169,000 | 296,000 |
| Pretax income | 468,000 | 972,000 | 1,448,000 | 1,775,000 |
| Income tax | 90,000 | 191,000 | 284,000 | 504,000 |
| Net income | 378,000 | 781,000 | 1,164,000 | 1,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,923,000 | 44,326,000 | 44,708,000 | 44,816,000 |
| Total capital | 44,825,000 | 45,208,000 | 45,595,000 | 45,818,000 |
| Risk-weighted assets | 173,398,000 | 177,504,000 | 183,585,000 | 184,545,000 |
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