Call reports 2025
NORTH COUNTRY SAVINGS BANK, THE — 2025
What NORTH COUNTRY SAVINGS BANK, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 341,212,000 | 347,777,000 | 353,092,000 | 365,975,000 |
| Total loans | 292,900,000 | 296,108,000 | 304,582,000 | 309,747,000 |
| Allowance for loan losses | 1,219,000 | 1,242,000 | 1,276,000 | 1,298,000 |
| Securities available for sale | 3,099,000 | 3,059,000 | 3,014,000 | 2,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,796,000 | 282,988,000 | 281,189,000 | 288,861,000 |
| Interest-bearing deposits | 235,410,000 | 245,689,000 | 241,124,000 | 249,450,000 |
| Noninterest-bearing deposits | 37,386,000 | 37,299,000 | 40,065,000 | 39,411,000 |
| Equity capital | 43,806,000 | 45,043,000 | 46,060,000 | 48,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,041,000 | 10,186,000 | 15,466,000 | 20,831,000 |
| Interest expense | 1,258,000 | 2,460,000 | 3,642,000 | 4,906,000 |
| Net interest income | 3,783,000 | 7,726,000 | 11,824,000 | 15,925,000 |
| Noninterest income | 711,000 | 1,425,000 | 2,143,000 | 2,861,000 |
| Noninterest expense | 3,166,000 | 6,236,000 | 9,754,000 | 13,516,000 |
| Provision for loan losses | 104,000 | 146,000 | 188,000 | 247,000 |
| Pretax income | 1,224,000 | 2,769,000 | 4,025,000 | 5,023,000 |
| Income tax | 259,000 | 591,000 | 860,000 | 1,078,000 |
| Net income | 965,000 | 2,178,000 | 3,165,000 | 3,945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,026,000 | 49,239,000 | 50,227,000 | 51,007,000 |
| Total capital | 49,246,000 | 50,481,000 | 51,503,000 | 52,305,000 |
| Risk-weighted assets | 209,648,000 | 214,519,000 | 218,458,000 | 220,956,000 |