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North Country Bank, Assets and Liabilities

1997-12-31Rank
# of Employees:335,163
Assets and Liabilities
Total Assets:$79,267,0005,218
Cash and due from depository institutions$3,231,0005,163
Interest-bearing balances$06,604
Securities$1,851,00010,368
Federal funds sold & reverse repurchase agreements$1,805,0005,205
Net loans & leases$65,375,0004,046
Loan loss allowance$830,0003,926
Trading account assets$0203
Bank premises and fixed assets$2,834,0002,773
Other real estate owned$38,0005,163
Goodwill and other intangibles$3,325,000720
All other assets$808,0006,855
Life insurance assets$01
Total liabilities and capital$79,267,0005,218
Total liabilities$70,510,0005,252
Total deposits$69,426,0005,071
Interest-bearing deposits$62,243,0004,919
Deposits held in domestic offices$69,426,0005,066
% insured0.00%1
Federal funds purchased & repurchase agreements$03,723
Trading liabilities$080
Other borrowed funds$05,103
Subordinated debt$0260
All other liabilities$1,084,0003,338
Total equity capital$8,757,0004,853
Total bank equity capital$8,757,0004,853
Perpetual preferred stock$0223
Common stock$390,0005,721
Surplus$7,610,0001,980
Undivided profits$757,0008,992
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$1,251,0002,051
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,731
Income earned, not collected on loans$439,0005,283
Earning assets$69,031,0005,439
Long-term assets (5+ years)$7,318,0005,106
Average Assets, year-to-date$72,977,0005,362
Average Assets, quarterly$79,818,5005,143
Volatile liabilities$4,053,0007,725
Insider loans$1,052,0003,435
FHLB advances$0780
Loans and leases held for sale$01,579
Unused loan commitments$5,270,0005,049
Tier 1 (core) risk-based capital$5,441,0006,659
Tier 2 risk-based capital$738,3403,807
Total risk weighted assets$58,975,1404,431
Total unused commitments$5,270,0005,053
Derivatives$0533
1996-12-31Rank
# of Employees:276,239
Assets and Liabilities
Total Assets:$47,225,0007,483
Cash and due from depository institutions$1,951,0006,239
Interest-bearing balances$97,0004,982
Securities$2,830,00010,606
Federal funds sold & reverse repurchase agreements$1,200,0006,065
Net loans & leases$36,849,0006,177
Loan loss allowance$430,0006,512
Trading account assets$0240
Bank premises and fixed assets$1,384,0004,959
Other real estate owned$06,239
Goodwill and other intangibles$1,472,0001,078
All other assets$1,539,0004,507
Life insurance assets$01
Total liabilities and capital$47,225,0007,483
Total liabilities$42,163,0007,478
Total deposits$39,985,0007,510
Interest-bearing deposits$35,148,0007,414
Deposits held in domestic offices$39,985,0007,504
% insured0.00%1
Federal funds purchased & repurchase agreements$03,907
Trading liabilities$097
Other borrowed funds$1,300,0003,098
Subordinated debt$0298
All other liabilities$878,0003,904
Total equity capital$5,062,0007,187
Total bank equity capital$5,062,0007,187
Perpetual preferred stock$0250
Common stock$390,0006,066
Surplus$4,420,0003,175
Undivided profits$252,00010,303
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$70,0008,669
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,832
Income earned, not collected on loans$255,0007,566
Earning assets$40,976,0007,697
Long-term assets (5+ years)$4,612,0006,065
Average Assets, year-to-date$41,222,4007,904
Average Assets, quarterly$45,085,0007,632
Volatile liabilities$4,382,0007,490
Insider loans$1,544,0002,626
FHLB advances$0882
Loans and leases held for sale$01,560
Unused loan commitments$3,426,0006,059
Tier 1 (core) risk-based capital$3,620,0008,479
Tier 2 risk-based capital$430,0005,847
Total risk weighted assets$34,812,2006,549
Total unused commitments$3,426,0006,076
Derivatives$0549
1995-12-31Rank
# of Employees:256,788
Assets and Liabilities
Total Assets:$35,547,0008,884
Cash and due from depository institutions$2,729,0006,788
Interest-bearing balances$1,187,0002,360
Securities$3,827,00010,699
Federal funds sold & reverse repurchase agreements$700,0007,887
Net loans & leases$26,741,0007,452
Loan loss allowance$280,0008,351
Trading account assets$0261
Bank premises and fixed assets$863,0006,556
Other real estate owned$13,0006,788
Goodwill and other intangibles$03,181
All other assets$674,0008,031
Life insurance assets$01
Total liabilities and capital$35,547,0008,884
Total liabilities$33,084,0008,716
Total deposits$32,701,0008,596
Interest-bearing deposits$28,598,0008,496
Deposits held in domestic offices$32,701,0008,591
% insured0.00%1
Federal funds purchased & repurchase agreements$03,736
Trading liabilities$0110
Other borrowed funds$05,136
Subordinated debt$0337
All other liabilities$383,0007,345
Total equity capital$2,463,00010,135
Total bank equity capital$2,463,00010,135
Perpetual preferred stock$0288
Common stock$390,0006,401
Surplus$1,150,0007,394
Undivided profits$923,0009,425
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$86,0008,538
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,782
Income earned, not collected on loans$176,0009,226
Earning assets$32,455,0008,882
Long-term assets (5+ years)$4,995,0005,799
Average Assets, year-to-date$35,031,4008,762
Average Assets, quarterly$35,608,0008,810
Volatile liabilities$1,432,00010,291
Insider loans$1,007,0003,716
FHLB advances$0855
Loans and leases held for sale$01,606
Unused loan commitments$2,591,0006,755
Tier 1 (core) risk-based capital$2,416,00010,116
Tier 2 risk-based capital$280,0007,605
Total risk weighted assets$23,107,8008,229
Total unused commitments$2,591,0006,768
Derivatives$0628
1994-12-31Rank
# of Employees:208,087
Assets and Liabilities
Total Assets:$34,377,0009,230
Cash and due from depository institutions$4,085,0008,087
Interest-bearing balances$1,675,0001,792
Securities$3,705,00011,375
Federal funds sold & reverse repurchase agreements$400,0007,061
Net loans & leases$24,662,0007,879
Loan loss allowance$260,0008,937
Trading account assets$0286
Bank premises and fixed assets$876,0006,565
Other real estate owned$13,0008,087
Goodwill and other intangibles$03,133
All other assets$636,0008,658
Life insurance assets$01
Total liabilities and capital$34,377,0009,230
Total liabilities$32,225,0009,048
Total deposits$31,951,0008,911
Interest-bearing deposits$28,267,0008,715
Deposits held in domestic offices$31,951,0008,905
% insured0.00%1
Federal funds purchased & repurchase agreements$04,788
Trading liabilities$087
Other borrowed funds$05,375
Subordinated debt$0372
All other liabilities$274,0007,709
Total equity capital$2,152,00010,704
Total bank equity capital$2,152,00010,704
Perpetual preferred stock$0310
Common stock$390,0006,769
Surplus$1,150,0007,543
Undivided profits$612,00010,017
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$83,0008,762
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,752
Income earned, not collected on loans$132,00010,074
Earning assets$30,442,0009,319
Long-term assets (5+ years)$10,559,0003,974
Average Assets, year-to-date$32,707,6009,343
Average Assets, quarterly$33,539,5009,305
Volatile liabilities$1,361,00010,554
Insider loans$964,0003,807
FHLB advances$0993
Loans and leases held for sale$01,430
Unused loan commitments$1,382,0008,437
Tier 1 (core) risk-based capital$2,252,00010,639
Tier 2 risk-based capital$260,0008,079
Total risk weighted assets$21,768,5008,627
Total unused commitments$1,382,0008,449
Derivatives$0687
1993-12-31Rank
# of Employees:198,670
Assets and Liabilities
Total Assets:$32,110,0009,859
Cash and due from depository institutions$5,121,0008,670
Interest-bearing balances$3,162,0001,778
Securities$4,282,00011,616
Federal funds sold & reverse repurchase agreements$600,0008,796
Net loans & leases$21,019,0008,634
Loan loss allowance$250,0009,377
Trading account assets$0330
Bank premises and fixed assets$447,0009,062
Other real estate owned$5,0008,670
Goodwill and other intangibles$03,091
All other assets$636,0008,267
Life insurance assets$01
Total liabilities and capital$32,110,0009,859
Total liabilities$30,073,0009,697
Total deposits$29,835,0009,573
Interest-bearing deposits$26,652,0009,378
Deposits held in domestic offices$29,835,0009,567
% insured0.00%1
Federal funds purchased & repurchase agreements$03,944
Trading liabilities$01
Other borrowed funds$05,027
Subordinated debt$0413
All other liabilities$238,0008,553
Total equity capital$2,037,00011,286
Total bank equity capital$2,037,00011,286
Perpetual preferred stock$0343
Common stock$390,0007,102
Surplus$700,0009,432
Undivided profits$947,0009,672
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$324,0006,160
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,950
Income earned, not collected on loans$110,00010,700
Earning assets$29,063,0009,890
Long-term assets (5+ years)$7,147,0005,340
Average Assets, year-to-date$30,850,8009,907
Average Assets, quarterly$31,700,5009,868
Volatile liabilities$703,00011,946
Insider loans$770,0004,464
FHLB advances$0821
Loans and leases held for sale$01,681
Unused loan commitments$1,030,0009,175
Tier 1 (core) risk-based capital$2,037,00011,251
Tier 2 risk-based capital$240,0608,550
Total risk weighted assets$19,194,6609,351
Total unused commitments$1,030,0009,200
Derivatives$0714
1992-12-31Rank
# of Employees:179,428
Assets and Liabilities
Total Assets:$30,389,00010,371
Cash and due from depository institutions$3,450,0009,428
Interest-bearing balances$1,687,0002,978
Securities$5,992,00011,067
Federal funds sold & reverse repurchase agreements$1,800,0006,835
Net loans & leases$18,338,0009,312
Loan loss allowance$212,00010,282
Trading account assets$0344
Bank premises and fixed assets$363,0009,946
Other real estate owned$56,0009,428
Goodwill and other intangibles$03,106
All other assets$390,00010,770
Life insurance assets$01
Total liabilities and capital$30,389,00010,371
Total liabilities$28,584,00010,191
Total deposits$28,332,00010,087
Interest-bearing deposits$25,643,0009,808
Deposits held in domestic offices$28,332,00010,082
% insured0.00%1
Federal funds purchased & repurchase agreements$03,764
Trading liabilities$01
Other borrowed funds$05,085
Subordinated debt$0482
All other liabilities$252,0009,008
Total equity capital$1,805,00011,851
Total bank equity capital$1,805,00011,851
Perpetual preferred stock$0346
Common stock$390,0007,474
Surplus$700,0009,602
Undivided profits$715,00010,368
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$147,0009,226
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01
Income earned, not collected on loans$103,00011,475
Earning assets$27,817,00010,309
Long-term assets (5+ years)$4,753,0006,670
Average Assets, year-to-date$28,523,40010,488
Average Assets, quarterly$29,928,00010,390
Volatile liabilities$843,00012,110
Insider loans$476,0001,929
FHLB advances$0832
Loans and leases held for sale$01,207
Unused loan commitments$724,0009,879
Tier 1 (core) risk-based capital$1,805,00011,812
Tier 2 risk-based capital$203,5009,365
Total risk weighted assets$16,271,60010,288
Total unused commitments$724,0009,906
Derivatives$0651