Call reports 2012
NORTH COUNTRY BANK — 2012
What NORTH COUNTRY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 65,237,000 | 59,627,000 | 58,520,000 | 64,260,000 |
| Total loans | 30,252,000 | 34,932,000 | 34,650,000 | 33,960,000 |
| Allowance for loan losses | 441,000 | 441,000 | 453,000 | 28,000 |
| Securities available for sale | 15,159,000 | 15,315,000 | 14,360,000 | 13,189,000 |
| Securities held to maturity | 1,414,000 | 1,402,000 | 1,395,000 | 1,280,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,409,000 | 51,542,000 | 50,207,000 | 55,075,000 |
| Interest-bearing deposits | 43,544,000 | 38,984,000 | 38,297,000 | 41,405,000 |
| Noninterest-bearing deposits | 13,865,000 | 12,558,000 | 11,910,000 | 13,670,000 |
| Equity capital | 6,729,000 | 6,901,000 | 7,003,000 | 7,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 592,000 | 1,184,000 | 1,803,000 | 2,410,000 |
| Interest expense | 70,000 | 130,000 | 188,000 | 234,000 |
| Net interest income | 522,000 | 1,054,000 | 1,615,000 | 2,176,000 |
| Noninterest income | 56,000 | 116,000 | 171,000 | 220,000 |
| Noninterest expense | 379,000 | 749,000 | 1,156,000 | 1,541,000 |
| Provision for loan losses | 35,000 | 35,000 | 45,000 | 87,000 |
| Pretax income | 164,000 | 386,000 | 588,000 | 770,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 85,000 |
| Net income | 152,000 | 362,000 | 552,000 | 685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,106,000 | 6,249,000 | 6,270,000 | 5,026,000 |
| Total capital | 6,547,000 | 6,690,000 | 6,723,000 | 5,054,000 |
| Risk-weighted assets | 37,812,000 | 40,241,000 | 41,308,000 | 38,848,000 |