Call reports 2014
NORTH COUNTRY BANK — 2014
What NORTH COUNTRY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 66,692,000 | 65,173,000 | 64,001,000 | 66,374,000 |
| Total loans | 32,235,000 | 35,210,000 | 36,657,000 | 36,085,000 |
| Allowance for loan losses | 184,000 | 233,000 | 264,000 | 331,000 |
| Securities available for sale | 18,843,000 | 21,318,000 | 20,434,000 | 20,953,000 |
| Securities held to maturity | 1,153,000 | 1,135,000 | 1,075,000 | 1,010,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,133,000 | 53,967,000 | 53,199,000 | 58,905,000 |
| Interest-bearing deposits | 44,652,000 | 40,749,000 | 40,202,000 | 42,895,000 |
| Noninterest-bearing deposits | 14,481,000 | 13,218,000 | 12,997,000 | 16,010,000 |
| Equity capital | 7,388,000 | 7,064,000 | 7,166,000 | 7,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 525,000 | 1,056,000 | 1,629,000 | 2,166,000 |
| Interest expense | 34,000 | 69,000 | 107,000 | 140,000 |
| Net interest income | 491,000 | 987,000 | 1,522,000 | 2,026,000 |
| Noninterest income | 65,000 | 125,000 | 179,000 | 332,000 |
| Noninterest expense | 407,000 | 836,000 | 1,261,000 | 1,672,000 |
| Provision for loan losses | 26,000 | 71,000 | 116,000 | 253,000 |
| Pretax income | 123,000 | 205,000 | 335,000 | 444,000 |
| Income tax | 32,000 | 46,000 | 87,000 | 80,000 |
| Net income | 91,000 | 159,000 | 248,000 | 364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,883,000 | 5,480,000 | 5,639,000 | 5,860,000 |
| Total capital | 6,076,000 | 5,722,000 | 5,910,000 | 6,199,000 |
| Risk-weighted assets | 42,323,000 | 44,936,000 | 44,130,000 | 45,640,000 |
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