Call reports 2005
NORTH COUNTRY BANK — 2005
What NORTH COUNTRY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 24,159,000 | 24,993,000 | 26,418,000 | 24,302,000 |
| Total loans | 15,929,000 | 17,516,000 | 18,731,000 | 16,823,000 |
| Allowance for loan losses | 275,000 | 264,000 | 263,000 | 305,000 |
| Securities available for sale | 5,300,000 | 5,156,000 | 4,945,000 | 4,705,000 |
| Securities held to maturity | 922,000 | 870,000 | 819,000 | 772,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,114,000 | 19,129,000 | 18,738,000 | 19,449,000 |
| Interest-bearing deposits | 17,280,000 | 16,161,000 | 15,501,000 | 16,018,000 |
| Noninterest-bearing deposits | 2,834,000 | 2,968,000 | 3,237,000 | 3,431,000 |
| Equity capital | 2,889,000 | 2,956,000 | 2,920,000 | 2,930,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 343,000 | 699,000 | 1,092,000 | 1,451,000 |
| Interest expense | 72,000 | 152,000 | 262,000 | 362,000 |
| Net interest income | 271,000 | 547,000 | 830,000 | 1,089,000 |
| Noninterest income | 27,000 | 65,000 | 94,000 | 118,000 |
| Noninterest expense | 219,000 | 437,000 | 659,000 | 885,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 79,000 | 175,000 | 265,000 | 322,000 |
| Income tax | 0 | 4,000 | 10,000 | 12,000 |
| Net income | 79,000 | 171,000 | 255,000 | 310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,952,000 | 2,983,000 | 2,968,000 | 3,013,000 |
| Total capital | 3,191,000 | 3,234,000 | 3,231,000 | 3,250,000 |
| Risk-weighted assets | 19,504,000 | 20,429,000 | 21,891,000 | 19,831,000 |
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