Call reports 2010
NORTH COUNTRY BANK — 2010
What NORTH COUNTRY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 53,481,000 | 51,405,000 | 55,073,000 | 59,441,000 |
| Total loans | 28,789,000 | 30,198,000 | 29,035,000 | 30,457,000 |
| Allowance for loan losses | 353,000 | 361,000 | 365,000 | 376,000 |
| Securities available for sale | 11,146,000 | 12,050,000 | 12,604,000 | 13,444,000 |
| Securities held to maturity | 1,599,000 | 1,458,000 | 1,893,000 | 1,621,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,155,000 | 43,908,000 | 47,361,000 | 52,116,000 |
| Interest-bearing deposits | 37,108,000 | 35,361,000 | 26,982,000 | 37,990,000 |
| Noninterest-bearing deposits | 9,047,000 | 8,547,000 | 20,379,000 | 14,126,000 |
| Equity capital | 6,140,000 | 6,232,000 | 6,391,000 | 6,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 624,000 | 1,252,000 | 1,862,000 | 2,490,000 |
| Interest expense | 121,000 | 239,000 | 357,000 | 467,000 |
| Net interest income | 503,000 | 1,013,000 | 1,505,000 | 2,023,000 |
| Noninterest income | 48,000 | 123,000 | 193,000 | 256,000 |
| Noninterest expense | 318,000 | 712,000 | 1,074,000 | 1,492,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 10,000 |
| Pretax income | 233,000 | 424,000 | 619,000 | 777,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 48,000 |
| Net income | 221,000 | 400,000 | 583,000 | 729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,758,000 | 5,801,000 | 5,919,000 | 6,069,000 |
| Total capital | 6,111,000 | 6,162,000 | 6,284,000 | 6,445,000 |
| Risk-weighted assets | 35,291,000 | 36,809,000 | 36,864,000 | 35,837,000 |
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