Call reports 2007
NORTH COUNTRY BANK — 2007
What NORTH COUNTRY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 45,795,000 | 47,191,000 | 49,891,000 | 49,004,000 |
| Total loans | 28,490,000 | 30,220,000 | 29,873,000 | 28,997,000 |
| Allowance for loan losses | 395,000 | 362,000 | 357,000 | 357,000 |
| Securities available for sale | 8,692,000 | 8,572,000 | 8,046,000 | 9,067,000 |
| Securities held to maturity | 4,536,000 | 4,741,000 | 4,889,000 | 4,836,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,565,000 | 37,211,000 | 38,786,000 | 41,888,000 |
| Interest-bearing deposits | 32,714,000 | 30,292,000 | 31,957,000 | 33,018,000 |
| Noninterest-bearing deposits | 6,851,000 | 6,919,000 | 6,829,000 | 8,869,000 |
| Equity capital | 5,218,000 | 5,263,000 | 5,410,000 | 5,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 732,000 | 1,465,000 | 2,241,000 | 3,001,000 |
| Interest expense | 225,000 | 459,000 | 764,000 | 1,025,000 |
| Net interest income | 507,000 | 1,006,000 | 1,477,000 | 1,976,000 |
| Noninterest income | 71,000 | 153,000 | 229,000 | 294,000 |
| Noninterest expense | 395,000 | 780,000 | 1,143,000 | 1,524,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 163,000 | 359,000 | 543,000 | 726,000 |
| Income tax | 12,000 | 22,000 | 26,000 | 31,000 |
| Net income | 151,000 | 337,000 | 517,000 | 695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,090,000 | 5,182,000 | 5,265,000 | 5,449,000 |
| Total capital | 5,485,000 | 5,544,000 | 5,622,000 | 5,806,000 |
| Risk-weighted assets | 33,751,000 | 32,158,000 | 33,625,000 | 32,120,000 |
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