Call reports 2008
NORTH COUNTRY BANK — 2008
What NORTH COUNTRY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 49,322,000 | 51,018,000 | 49,027,000 | 52,812,000 |
| Total loans | 27,097,000 | 31,706,000 | 30,542,000 | 30,418,000 |
| Allowance for loan losses | 359,000 | 349,000 | 339,000 | 363,000 |
| Securities available for sale | 12,203,000 | 12,712,000 | 12,694,000 | 13,115,000 |
| Securities held to maturity | 2,323,000 | 2,206,000 | 2,455,000 | 2,414,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,901,000 | 40,698,000 | 40,559,000 | 44,063,000 |
| Interest-bearing deposits | 35,259,000 | 32,914,000 | 32,404,000 | 34,325,000 |
| Noninterest-bearing deposits | 7,642,000 | 7,784,000 | 8,155,000 | 9,738,000 |
| Equity capital | 5,375,000 | 5,230,000 | 5,336,000 | 5,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 727,000 | 1,463,000 | 2,192,000 | 2,928,000 |
| Interest expense | 251,000 | 468,000 | 678,000 | 863,000 |
| Net interest income | 476,000 | 995,000 | 1,514,000 | 2,065,000 |
| Noninterest income | 107,000 | 193,000 | 272,000 | 313,000 |
| Noninterest expense | 398,000 | 808,000 | 1,212,000 | 1,648,000 |
| Provision for loan losses | 0 | 0 | 0 | 24,000 |
| Pretax income | 188,000 | 382,000 | 576,000 | 708,000 |
| Income tax | 6,000 | 14,000 | 23,000 | 37,000 |
| Net income | 182,000 | 368,000 | 553,000 | 671,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,150,000 | 5,260,000 | 5,360,000 | 5,482,000 |
| Total capital | 5,509,000 | 5,609,000 | 5,699,000 | 5,845,000 |
| Risk-weighted assets | 31,695,000 | 35,384,000 | 34,081,000 | 35,101,000 |
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