Call reports 2007
PINE COUNTRY BANK — 2007
What PINE COUNTRY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 76,065,000 | 77,623,000 | 82,833,000 | 85,752,000 |
| Total loans | 49,827,000 | 50,052,000 | 51,143,000 | 53,348,000 |
| Allowance for loan losses | 490,000 | 508,000 | 438,000 | 453,000 |
| Securities available for sale | 18,891,000 | 20,184,000 | 21,542,000 | 21,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,910,000 | 68,674,000 | 73,371,000 | 75,756,000 |
| Interest-bearing deposits | 56,029,000 | 57,239,000 | 60,720,000 | 61,595,000 |
| Noninterest-bearing deposits | 10,881,000 | 11,435,000 | 12,651,000 | 14,161,000 |
| Equity capital | 6,835,000 | 6,729,000 | 7,221,000 | 7,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,411,000 | 2,811,000 | 4,280,000 | 5,816,000 |
| Interest expense | 540,000 | 1,112,000 | 1,719,000 | 2,330,000 |
| Net interest income | 871,000 | 1,699,000 | 2,561,000 | 3,486,000 |
| Noninterest income | 97,000 | 207,000 | 304,000 | 398,000 |
| Noninterest expense | 631,000 | 1,248,000 | 1,873,000 | 2,517,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 322,000 | 628,000 | 948,000 | 1,311,000 |
| Income tax | 97,000 | 183,000 | 284,000 | 442,000 |
| Net income | 225,000 | 445,000 | 664,000 | 869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,724,000 | 6,944,000 | 7,163,000 | 7,368,000 |
| Total capital | 7,214,000 | 7,452,000 | 7,601,000 | 7,821,000 |
| Risk-weighted assets | 57,134,000 | 58,482,000 | 60,615,000 | 62,807,000 |
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