Call reports 2024
NORTH COUNTRY SAVINGS BANK, THE — 2024
What NORTH COUNTRY SAVINGS BANK, THE reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 328,594,000 | 326,632,000 | 333,844,000 | 339,131,000 |
| Total loans | 273,573,000 | 279,146,000 | 287,285,000 | 292,024,000 |
| Allowance for loan losses | 1,113,000 | 1,111,000 | 1,108,000 | 1,132,000 |
| Securities available for sale | 3,323,000 | 3,225,000 | 3,290,000 | 3,105,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,960,000 | 259,792,000 | 256,829,000 | 261,562,000 |
| Interest-bearing deposits | 222,603,000 | 219,592,000 | 220,370,000 | 225,622,000 |
| Noninterest-bearing deposits | 38,357,000 | 40,200,000 | 36,459,000 | 35,940,000 |
| Equity capital | 39,677,000 | 40,552,000 | 41,520,000 | 42,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,366,000 | 9,017,000 | 13,844,000 | 18,845,000 |
| Interest expense | 1,129,000 | 2,224,000 | 3,417,000 | 4,690,000 |
| Net interest income | 3,237,000 | 6,793,000 | 10,427,000 | 14,155,000 |
| Noninterest income | 683,000 | 1,440,000 | 2,131,000 | 2,779,000 |
| Noninterest expense | 3,070,000 | 6,186,000 | 9,380,000 | 12,818,000 |
| Provision for loan losses | 3,000 | 76,000 | 124,000 | 223,000 |
| Pretax income | 847,000 | 1,971,000 | 3,054,000 | 3,893,000 |
| Income tax | 181,000 | 422,000 | 653,000 | 832,000 |
| Net income | 666,000 | 1,549,000 | 2,401,000 | 3,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,667,000 | 45,549,000 | 46,402,000 | 47,062,000 |
| Total capital | 45,780,000 | 46,660,000 | 47,510,000 | 48,194,000 |
| Risk-weighted assets | 202,533,000 | 201,917,000 | 207,477,000 | 209,081,000 |