North Country Intermediate Bond
Name
As of 05/20/2022Price
Aum/Mkt Cap
YIELD
Exp Ratio
Watchlist
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
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 05/20/2022Price
Aum/Mkt Cap
YIELD
Exp Ratio
Watchlist
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%
- Dividend Yield 1.3%
- Dividend Distribution Frequency Monthly
Fund Details
-
Legal NameNorth Country Intermediate Bond Fund
-
Fund Family NameNorth Country Funds
-
Inception DateMar 01, 2001
-
Shares OutstandingN/A
-
Share ClassNo Load
-
CurrencyUSD
-
Domiciled CountryUnited States
-
ManagerAlina 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.
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
- Federal Home Loan Banks 3.4% 3.89%
- AT&T Inc 4.35% 2.81%
- Anheuser-Busch InBev Worldwide Inc. 4% 2.76%
- Federal Farm Credit Banks 3.15% 2.76%
- Federal Home Loan Banks 2.75% 2.67%
- Georgia Power Company 3.25% 2.65%
- Wells Fargo & Company 3.45% 2.63%
- Federal Farm Credit Banks 3.27% 2.59%
- Southwest Airlines Co. 5.125% 2.51%
- 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
Date | Amount | Type |
---|---|---|
May 18, 2022 | $0.011 | OrdinaryDividend |
Apr 29, 2022 | $0.012 | OrdinaryDividend |
Mar 31, 2022 | $0.015 | OrdinaryDividend |
Jan 31, 2022 | $0.003 | OrdinaryDividend |
Nov 29, 2021 | $0.015 | OrdinaryDividend |
Oct 28, 2021 | $0.014 | OrdinaryDividend |
Sep 29, 2021 | $0.015 | OrdinaryDividend |
Aug 30, 2021 | $0.014 | OrdinaryDividend |
Jul 29, 2021 | $0.014 | OrdinaryDividend |
Jun 29, 2021 | $0.016 | OrdinaryDividend |
May 27, 2021 | $0.014 | OrdinaryDividend |
Apr 29, 2021 | $0.014 | OrdinaryDividend |
Mar 30, 2021 | $0.016 | OrdinaryDividend |
Feb 25, 2021 | $0.013 | OrdinaryDividend |
Jan 28, 2021 | $0.003 | OrdinaryDividend |
Nov 27, 2020 | $0.013 | OrdinaryDividend |
Oct 29, 2020 | $0.015 | OrdinaryDividend |
Sep 29, 2020 | $0.015 | OrdinaryDividend |
Aug 28, 2020 | $0.014 | OrdinaryDividend |
Jul 30, 2020 | $0.016 | OrdinaryDividend |
Jun 29, 2020 | $0.015 | OrdinaryDividend |
May 28, 2020 | $0.015 | OrdinaryDividend |
Apr 29, 2020 | $0.017 | OrdinaryDividend |
Mar 30, 2020 | $0.016 | OrdinaryDividend |
Feb 27, 2020 | $0.015 | OrdinaryDividend |
Jan 30, 2020 | $0.009 | OrdinaryDividend |
Dec 11, 2019 | $0.023 | OrdinaryDividend |
Nov 27, 2019 | $0.015 | OrdinaryDividend |
Oct 30, 2019 | $0.018 | OrdinaryDividend |
Sep 27, 2019 | $0.016 | OrdinaryDividend |
Aug 29, 2019 | $0.017 | OrdinaryDividend |
Jul 30, 2019 | $0.019 | OrdinaryDividend |
Jun 27, 2019 | $0.016 | OrdinaryDividend |
May 30, 2019 | $0.019 | OrdinaryDividend |
Apr 29, 2019 | $0.017 | OrdinaryDividend |
Mar 28, 2019 | $0.017 | OrdinaryDividend |
Feb 27, 2019 | $0.016 | OrdinaryDividend |
Jan 30, 2019 | $0.012 | OrdinaryDividend |
Dec 10, 2018 | $0.020 | OrdinaryDividend |
Nov 29, 2018 | $0.015 | OrdinaryDividend |
Oct 30, 2018 | $0.017 | OrdinaryDividend |
Sep 27, 2018 | $0.014 | OrdinaryDividend |
Aug 30, 2018 | $0.018 | OrdinaryDividend |
Jul 30, 2018 | $0.017 | OrdinaryDividend |
Jun 28, 2018 | $0.016 | OrdinaryDividend |
May 30, 2018 | $0.018 | OrdinaryDividend |
Apr 27, 2018 | $0.017 | OrdinaryDividend |
Mar 28, 2018 | $0.016 | OrdinaryDividend |
Feb 27, 2018 | $0.013 | OrdinaryDividend |
Jan 30, 2018 | $0.013 | OrdinaryDividend |
Dec 11, 2017 | $0.016 | OrdinaryDividend |
Nov 29, 2017 | $0.013 | OrdinaryDividend |
Oct 30, 2017 | $0.015 | OrdinaryDividend |
Sep 28, 2017 | $0.012 | OrdinaryDividend |
Aug 30, 2017 | $0.016 | OrdinaryDividend |
Jul 28, 2017 | $0.014 | OrdinaryDividend |
Jun 29, 2017 | $0.019 | OrdinaryDividend |
May 30, 2017 | $0.012 | OrdinaryDividend |
Apr 27, 2017 | $0.013 | OrdinaryDividend |
Mar 30, 2017 | $0.016 | OrdinaryDividend |
Feb 27, 2017 | $0.014 | OrdinaryDividend |
Jan 30, 2017 | $0.012 | OrdinaryDividend |
Dec 29, 2016 | $0.025 | OrdinaryDividend |
Nov 29, 2016 | $0.009 | OrdinaryDividend |
Oct 28, 2016 | $0.013 | OrdinaryDividend |
Sep 29, 2016 | $0.014 | OrdinaryDividend |
Aug 30, 2016 | $0.016 | OrdinaryDividend |
Jul 28, 2016 | $0.014 | OrdinaryDividend |
Jun 29, 2016 | $0.016 | OrdinaryDividend |
May 27, 2016 | $0.014 | OrdinaryDividend |
Apr 28, 2016 | $0.016 | OrdinaryDividend |
Mar 30, 2016 | $0.016 | OrdinaryDividend |
Feb 26, 2016 | $0.014 | OrdinaryDividend |
Jan 28, 2016 | $0.014 | OrdinaryDividend |
Dec 30, 2015 | $0.013 | OrdinaryDividend |
Nov 27, 2015 | $0.015 | OrdinaryDividend |
Oct 29, 2015 | $0.013 | OrdinaryDividend |
Sep 29, 2015 | $0.016 | OrdinaryDividend |
Aug 28, 2015 | $0.013 | OrdinaryDividend |
Jul 30, 2015 | $0.016 | OrdinaryDividend |
Jun 29, 2015 | $0.015 | OrdinaryDividend |
May 28, 2015 | $0.014 | OrdinaryDividend |
Apr 29, 2015 | $0.017 | OrdinaryDividend |
Mar 30, 2015 | $0.013 | OrdinaryDividend |
Feb 26, 2015 | $0.014 | OrdinaryDividend |
Jan 29, 2015 | $0.004 | OrdinaryDividend |
Dec 15, 2014 | $0.023 | OrdinaryDividend |
Nov 26, 2014 | $0.014 | OrdinaryDividend |
Oct 30, 2014 | $0.017 | OrdinaryDividend |
Sep 29, 2014 | $0.015 | OrdinaryDividend |
Aug 28, 2014 | $0.013 | OrdinaryDividend |
Jul 30, 2014 | $0.015 | OrdinaryDividend |
Jun 27, 2014 | $0.016 | OrdinaryDividend |
May 29, 2014 | $0.015 | OrdinaryDividend |
Apr 29, 2014 | $0.018 | OrdinaryDividend |
Mar 31, 2014 | $0.015 | OrdinaryDividend |
Feb 28, 2014 | $0.018 | OrdinaryDividend |
Jan 31, 2014 | $0.016 | OrdinaryDividend |
Dec 31, 2013 | $0.018 | OrdinaryDividend |
Nov 29, 2013 | $0.016 | OrdinaryDividend |
Oct 31, 2013 | $0.022 | OrdinaryDividend |
Sep 30, 2013 | $0.019 | OrdinaryDividend |
Aug 30, 2013 | $0.017 | OrdinaryDividend |
Jul 31, 2013 | $0.020 | OrdinaryDividend |
Jun 28, 2013 | $0.017 | OrdinaryDividend |
May 31, 2013 | $0.019 | OrdinaryDividend |
Apr 30, 2013 | $0.025 | OrdinaryDividend |
Mar 28, 2013 | $0.018 | OrdinaryDividend |
Feb 28, 2013 | $0.017 | OrdinaryDividend |
Jan 31, 2013 | $0.016 | OrdinaryDividend |
Dec 31, 2012 | $0.017 | OrdinaryDividend |
Nov 30, 2012 | $0.021 | OrdinaryDividend |
Nov 01, 2012 | $0.023 | OrdinaryDividend |
Sep 28, 2012 | $0.016 | OrdinaryDividend |
Aug 31, 2012 | $0.016 | OrdinaryDividend |
Jul 31, 2012 | $0.018 | OrdinaryDividend |
Jun 29, 2012 | $0.021 | OrdinaryDividend |
May 31, 2012 | $0.026 | OrdinaryDividend |
Apr 30, 2012 | $0.021 | OrdinaryDividend |
Mar 30, 2012 | $0.021 | OrdinaryDividend |
Feb 29, 2012 | $0.018 | OrdinaryDividend |
Jan 31, 2012 | $0.019 | OrdinaryDividend |
Dec 30, 2011 | $0.017 | OrdinaryDividend |
Nov 30, 2011 | $0.021 | OrdinaryDividend |
Oct 31, 2011 | $0.020 | OrdinaryDividend |
Sep 30, 2011 | $0.020 | OrdinaryDividend |
Aug 31, 2011 | $0.021 | OrdinaryDividend |
Jul 29, 2011 | $0.020 | OrdinaryDividend |
Jun 30, 2011 | $0.025 | OrdinaryDividend |
May 31, 2011 | $0.022 | OrdinaryDividend |
Apr 29, 2011 | $0.021 | OrdinaryDividend |
Mar 31, 2011 | $0.023 | OrdinaryDividend |
Feb 28, 2011 | $0.024 | OrdinaryDividend |
Jan 31, 2011 | $0.022 | OrdinaryDividend |
Dec 30, 2010 | $0.023 | OrdinaryDividend |
Nov 30, 2010 | $0.026 | OrdinaryDividend |
Nov 01, 2010 | $0.022 | OrdinaryDividend |
Oct 01, 2010 | $0.025 | OrdinaryDividend |
Sep 01, 2010 | $0.025 | OrdinaryDividend |
Aug 02, 2010 | $0.024 | OrdinaryDividend |
Jul 01, 2010 | $0.029 | OrdinaryDividend |
Jun 01, 2010 | $0.024 | OrdinaryDividend |
May 03, 2010 | $0.027 | OrdinaryDividend |
Apr 01, 2010 | $0.029 | OrdinaryDividend |
Mar 01, 2010 | $0.026 | OrdinaryDividend |
Feb 01, 2010 | $0.026 | OrdinaryDividend |
Jan 04, 2010 | $0.027 | OrdinaryDividend |
Dec 01, 2009 | $0.027 | OrdinaryDividend |
Nov 02, 2009 | $0.026 | OrdinaryDividend |
Oct 01, 2009 | $0.027 | OrdinaryDividend |
Sep 01, 2009 | $0.031 | OrdinaryDividend |
Aug 03, 2009 | $0.030 | OrdinaryDividend |
Jul 01, 2009 | $0.031 | OrdinaryDividend |
Jun 01, 2009 | $0.027 | OrdinaryDividend |
May 01, 2009 | $0.030 | OrdinaryDividend |
Apr 01, 2009 | $0.030 | OrdinaryDividend |
Mar 02, 2009 | $0.030 | OrdinaryDividend |
Feb 02, 2009 | $0.031 | OrdinaryDividend |
Dec 31, 2008 | $0.033 | OrdinaryDividend |
Dec 01, 2008 | $0.033 | OrdinaryDividend |
Jan 02, 2008 | $0.037 | OrdinaryDividend |
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 |