Call reports 2004
NORTH COUNTRY BANK — 2004
What NORTH COUNTRY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 24,367,000 | 24,940,000 | 26,122,000 | 23,961,000 |
| Total loans | 14,749,000 | 16,755,000 | 17,707,000 | 16,176,000 |
| Allowance for loan losses | 250,000 | 250,000 | 275,000 | 274,000 |
| Securities available for sale | 6,312,000 | 5,725,000 | 5,594,000 | 4,664,000 |
| Securities held to maturity | 894,000 | 998,000 | 1,014,000 | 1,029,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,045,000 | 19,727,000 | 18,825,000 | 19,559,000 |
| Interest-bearing deposits | 17,454,000 | 16,990,000 | 16,249,000 | 16,426,000 |
| Noninterest-bearing deposits | 2,591,000 | 2,737,000 | 2,576,000 | 3,133,000 |
| Equity capital | 2,862,000 | 2,812,000 | 2,941,000 | 2,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 335,000 | 683,000 | 1,065,000 | 1,419,000 |
| Interest expense | 75,000 | 148,000 | 230,000 | 309,000 |
| Net interest income | 260,000 | 535,000 | 835,000 | 1,110,000 |
| Noninterest income | 25,000 | 56,000 | 85,000 | 109,000 |
| Noninterest expense | 227,000 | 446,000 | 659,000 | 897,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 58,000 | 146,000 | 262,000 | 323,000 |
| Income tax | 3,000 | 9,000 | 18,000 | 20,000 |
| Net income | 55,000 | 137,000 | 244,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,803,000 | 2,855,000 | 2,932,000 | 2,991,000 |
| Total capital | 3,029,000 | 3,096,000 | 3,189,000 | 3,230,000 |
| Risk-weighted assets | 18,349,000 | 19,794,000 | 20,875,000 | 19,468,000 |
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