Call reports 2009
NORTH COUNTRY BANK — 2009
What NORTH COUNTRY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 49,121,000 | 49,260,000 | 49,042,000 | 52,239,000 |
| Total loans | 28,683,000 | 31,451,000 | 31,039,000 | 30,738,000 |
| Allowance for loan losses | 362,000 | 353,000 | 364,000 | 350,000 |
| Securities available for sale | 12,888,000 | 11,755,000 | 11,650,000 | 11,117,000 |
| Securities held to maturity | 2,359,000 | 2,173,000 | 2,105,000 | 1,645,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,161,000 | 42,195,000 | 41,142,000 | 44,818,000 |
| Interest-bearing deposits | 34,459,000 | 34,444,000 | 33,061,000 | 35,568,000 |
| Noninterest-bearing deposits | 7,702,000 | 7,751,000 | 8,081,000 | 9,250,000 |
| Equity capital | 5,666,000 | 5,757,000 | 6,124,000 | 6,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 680,000 | 1,352,000 | 2,039,000 | 2,721,000 |
| Interest expense | 156,000 | 300,000 | 434,000 | 556,000 |
| Net interest income | 524,000 | 1,052,000 | 1,605,000 | 2,165,000 |
| Noninterest income | 59,000 | 132,000 | 201,000 | 260,000 |
| Noninterest expense | 397,000 | 817,000 | 1,224,000 | 1,638,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 186,000 | 367,000 | 582,000 | 787,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 60,000 |
| Net income | 177,000 | 349,000 | 555,000 | 727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,469,000 | 5,505,000 | 5,646,000 | 5,822,000 |
| Total capital | 5,831,000 | 5,858,000 | 6,010,000 | 6,172,000 |
| Risk-weighted assets | 33,933,000 | 36,071,000 | 34,282,000 | 34,963,000 |
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