Call reports 2006
NORTH COUNTRY BANK — 2006
What NORTH COUNTRY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 23,538,000 | 24,550,000 | 25,134,000 | 47,358,000 |
| Total loans | 16,223,000 | 17,732,000 | 18,129,000 | 29,782,000 |
| Allowance for loan losses | 304,000 | 260,000 | 260,000 | 384,000 |
| Securities available for sale | 5,021,000 | 4,503,000 | 4,344,000 | 9,267,000 |
| Securities held to maturity | 772,000 | 725,000 | 784,000 | 4,623,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,890,000 | 18,830,000 | 18,097,000 | 39,072,000 |
| Interest-bearing deposits | 16,915,000 | 15,601,000 | 15,188,000 | 31,648,000 |
| Noninterest-bearing deposits | 2,975,000 | 3,229,000 | 2,909,000 | 7,424,000 |
| Equity capital | 2,790,000 | 2,822,000 | 2,881,000 | 5,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 352,000 | 727,000 | 1,114,000 | 2,879,000 |
| Interest expense | 96,000 | 204,000 | 344,000 | 864,000 |
| Net interest income | 256,000 | 523,000 | 770,000 | 2,015,000 |
| Noninterest income | 24,000 | 62,000 | 85,000 | 229,000 |
| Noninterest expense | 204,000 | 396,000 | 604,000 | 1,533,000 |
| Provision for loan losses | 0 | 0 | 0 | 12,000 |
| Pretax income | 76,000 | 189,000 | 251,000 | 699,000 |
| Income tax | 3,000 | 6,000 | 8,000 | 29,000 |
| Net income | 73,000 | 183,000 | 243,000 | 670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,886,000 | 2,936,000 | 2,946,000 | 5,381,000 |
| Total capital | 3,129,000 | 3,189,000 | 3,206,000 | 5,765,000 |
| Risk-weighted assets | 19,418,000 | 20,197,000 | 21,587,000 | 32,819,000 |
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