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Trending ETFs

Name

As of 05/20/2022

Price

Aum/Mkt Cap

YIELD

Annualized forward dividend yield. Multiplies the most recent dividend payout amount by its frequency and divides by the previous close price.

Exp Ratio

Expense ratio is the fund’s total annual operating expenses, including management fees, distribution fees, and other expenses, expressed as a percentage of average net assets.

Watchlist

$9.79

$71.4 M

1.29%

$0.13

0.80%

Vitals

YTD Return

-7.2%

1 yr return

-6.8%

3 Yr Avg Return

0.6%

5 Yr Avg Return

1.0%

Net Assets

$71.4 M

Holdings in Top 10

27.2%

52 WEEK LOW AND HIGH

$9.8
$9.79
$10.83

Expenses

OPERATING FEES

Expense Ratio 0.80%

SALES FEES

Front Load N/A

Deferred Load N/A

TRADING FEES

Turnover 7.00%

Redemption Fee N/A


Min Investment

Standard (Taxable)

$500

IRA

$500


Fund Classification

Fund Type

Open End Mutual Fund


Name

As of 05/20/2022

Price

Aum/Mkt Cap

YIELD

Annualized forward dividend yield. Multiplies the most recent dividend payout amount by its frequency and divides by the previous close price.

Exp Ratio

Expense ratio is the fund’s total annual operating expenses, including management fees, distribution fees, and other expenses, expressed as a percentage of average net assets.

Watchlist

$9.79

$71.4 M

1.29%

$0.13

0.80%

NCBDX - Profile

Distributions

  • YTD Total Return -7.2%
  • 3 Yr Annualized Total Return 0.6%
  • 5 Yr Annualized Total Return 1.0%
  • Capital Gain Distribution Frequency Annually
  • Net Income Ratio 1.54%
DIVIDENDS
  • Dividend Yield 1.3%
  • Dividend Distribution Frequency Monthly

Fund Details

  • Legal Name
    North Country Intermediate Bond Fund
  • Fund Family Name
    North Country Funds
  • Inception Date
    Mar 01, 2001
  • Shares Outstanding
    N/A
  • Share Class
    No Load
  • Currency
    USD
  • Domiciled Country
    United States
  • Manager
    Alina Kindron

Fund Description

The Bond Fund will invest at least 80% of its net assets plus borrowings in bonds. The Bond Fund seeks to achieve its investment objective by investing substantially all of its net assets in U.S. dollar denominated investment grade bonds or debt securities. These may include corporate and U.S. government bonds and mortgage-backed securities. Portfolio securities shall be rated within the top four ratings categories by nationally recognized statistical ratings organizations ("NRSROs") such as Moody's Investors Services, Inc. ("Moody’s") and Standard & Poor's Financial Services LLC ("S&P"), when purchased. The Bond Fund intends to maintain an investment portfolio with a dollar-weighted average quality of "A" or better and a dollar-weighted average maturity between 1 and 10 years.

The Bond Fund will invest in corporate bonds without regard to industry or sector based on the Adviser's analysis of each target security's structural and repayment features, current pricing and trading opportunities as well as the credit quality of the issuer.

The Adviser may sell an obligation held by the Bond Fund when the reasons for buying or holding it no longer apply. If the rating on an obligation held by the Bond Fund is reduced below the Bond Fund's ratings requirements, the Adviser will sell the obligation only when it is in the best interests of the Bond Fund's shareholders to do so.

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NCBDX - Performance

Return Ranking - Trailing

Period NCBDX Return Category Return Low Category Return High Rank in Category (%)
YTD -7.2% -83.6% -0.6% 10.85%
1 Yr -6.8% -21.0% 15.0% 9.55%
3 Yr 0.6%* -3.0% 10.6% 54.74%
5 Yr 1.0%* -0.9% 6.3% 72.68%
10 Yr 1.2%* -0.3% 7.0% 91.15%

* Annualized

Return Ranking - Calendar

Period NCBDX Return Category Return Low Category Return High Rank in Category (%)
2023 -3.8% -82.5% 1360.6% 69.08%
2022 4.0% -20.8% 1027.9% 50.25%
2021 7.0% -11.1% 23.0% 10.96%
2020 -3.1% -11.4% 6.8% 40.35%
2019 0.7% -49.5% 15.0% 80.59%

Total Return Ranking - Trailing

Period NCBDX Return Category Return Low Category Return High Rank in Category (%)
YTD -7.2% -83.6% -0.6% 6.25%
1 Yr -6.8% -21.0% 11.5% 8.91%
3 Yr 0.6%* -3.0% 8.7% 48.40%
5 Yr 1.0%* -1.1% 5.3% 65.68%
10 Yr 1.2%* -0.3% 6.5% 89.17%

* Annualized

Total Return Ranking - Calendar

Period NCBDX Return Category Return Low Category Return High Rank in Category (%)
2023 -3.8% -82.5% 93.6% 69.08%
2022 4.0% -20.8% 1027.9% 50.25%
2021 7.3% -11.1% 23.0% 6.97%
2020 -1.2% -11.4% 6.8% 18.41%
2019 2.4% -49.5% 15.0% 31.36%

NAV & Total Return History


NCBDX - Holdings

Concentration Analysis

NCBDX Category Low Category High NCBDX % Rank
Net Assets 71.4 M 1.19 M 287 B 89.95%
Number of Holdings 77 1 17252 93.30%
Net Assets in Top 10 21 M -68.2 M 39.1 B 85.34%
Weighting of Top 10 27.23% 4.0% 100.0% 50.91%

Top 10 Holdings

  1. Federal Home Loan Banks 3.4% 3.89%
  2. AT&T Inc 4.35% 2.81%
  3. Anheuser-Busch InBev Worldwide Inc. 4% 2.76%
  4. Federal Farm Credit Banks 3.15% 2.76%
  5. Federal Home Loan Banks 2.75% 2.67%
  6. Georgia Power Company 3.25% 2.65%
  7. Wells Fargo & Company 3.45% 2.63%
  8. Federal Farm Credit Banks 3.27% 2.59%
  9. Southwest Airlines Co. 5.125% 2.51%
  10. Federal Farm Credit Banks 2.35% 2.44%

Asset Allocation

Weighting Return Low Return High NCBDX % Rank
Bonds
94.65% 0.00% 268.18% 60.11%
Cash
5.34% -181.13% 100.00% 30.12%
Stocks
0.00% -1.15% 24.74% 78.27%
Preferred Stocks
0.00% 0.00% 77.13% 83.74%
Other
0.00% -15.83% 24.59% 70.33%
Convertible Bonds
0.00% 0.00% 10.28% 96.07%

Bond Sector Breakdown

Weighting Return Low Return High NCBDX % Rank
Corporate
71.71% 0.00% 100.00% 1.16%
Government
20.34% 0.00% 82.21% 59.70%
Cash & Equivalents
5.34% 0.00% 100.00% 41.91%
Securitized
2.61% 0.00% 98.63% 94.01%
Derivative
0.00% 0.00% 26.37% 82.66%
Municipal
0.00% 0.00% 100.00% 91.69%

Bond Geographic Breakdown

Weighting Return Low Return High NCBDX % Rank
US
84.81% 0.00% 210.09% 57.64%
Non US
9.84% -6.54% 63.02% 43.52%

NCBDX - Expenses

Operational Fees

NCBDX Fees (% of AUM) Category Return Low Category Return High Rank in Category (%)
Expense Ratio 0.80% 0.01% 2.93% 28.40%
Management Fee 0.50% 0.00% 1.76% 89.69%
12b-1 Fee N/A 0.00% 1.00% N/A
Administrative Fee N/A 0.01% 0.50% 68.97%

Sales Fees

NCBDX Fees (% of AUM) Category Return Low Category Return High Rank in Category (%)
Front Load N/A 2.00% 5.75% N/A
Deferred Load N/A 1.00% 5.50% N/A

Trading Fees

NCBDX Fees (% of AUM) Category Return Low Category Return High Rank in Category (%)
Max Redemption Fee N/A 1.00% 2.00% N/A

Related Fees

Turnover provides investors a proxy for the trading fees incurred by mutual fund managers who frequently adjust position allocations. Higher turnover means higher trading fees.

NCBDX Fees (% of AUM) Category Return Low Category Return High Rank in Category (%)
Turnover 7.00% 2.00% 493.39% 0.33%

NCBDX - Distributions

Dividend Yield Analysis

NCBDX Category Low Category High NCBDX % Rank
Dividend Yield 1.29% 0.00% 6.74% 70.04%

Dividend Distribution Analysis

NCBDX Category Low Category High Category Mod
Dividend Distribution Frequency Monthly Semi-Annually Monthly Monthly

Net Income Ratio Analysis

NCBDX Category Low Category High NCBDX % Rank
Net Income Ratio 1.54% -1.28% 8.97% 61.02%

Capital Gain Distribution Analysis

NCBDX Category Low Category High Capital Mode
Capital Gain Distribution Frequency Annually Annually Monthly Annually

Distributions History

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NCBDX - Fund Manager Analysis

Managers

Alina Kindron


Start Date

Tenure

Tenure Rank

Aug 09, 2018

3.73

3.7%

Alina Kindron, Portfolio Manager of North Country Investment Advisers, has been employed with GFNB since 2007, and is an Assistant Vice President and Investment Officer of GFNB, managing investments for individuals, trusts, endowments, foundations and pension plans. Ms. Kindron is a graduate of the Academy of Economic Studies in Bucharest, Romania with a Bachelors degree in Finance, Insurance, Banking and Capital Markets.

Adam Horowitz


Start Date

Tenure

Tenure Rank

May 27, 2019

2.93

2.9%

Adam M. Horowitz, Portfolio Manager of North Country Investment Advisers, has been employed with GFNB since 2018, and is an Officer and Investment Professional of GFNB, managing investments for individuals, trusts, endowments, foundations and pension plans. Prior to Joining GFNB, Mr. Horowitz served as a Portfolio Manager in the Private Wealth Management Division of another trust company. Mr. Horowitz received a Bachelor of Arts degree from The State University of New York at Albany and an MBA from The State University of New York at Albany.

Frederick Schwerd


Start Date

Tenure

Tenure Rank

Sep 30, 2019

2.58

2.6%

Mr. Schwerd, Portfolio Manager of North Country Investment Advisers, Inc, has been employed with GFNB since 2019. Prior to joining GFNB, Mr. Schwerd managed short-term and intermediate-term multi-asset fixed income accounts for institutional and high net worth clients at The Ayco Company (a Goldman Sachs Company). Mr. Schwerd received a Bachelor of Arts degree from Hartwick College.

Tenure Analysis

Category Low Category High Category Average Category Mode
0.02 33.34 6.55 1.08