Call reports 2008
PINE COUNTRY BANK — 2008
What PINE COUNTRY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 87,969,000 | 91,878,000 | 97,588,000 | 95,977,000 |
| Total loans | 55,638,000 | 58,673,000 | 65,016,000 | 64,972,000 |
| Allowance for loan losses | 479,000 | 477,000 | 671,000 | 726,000 |
| Securities available for sale | 23,637,000 | 24,113,000 | 23,798,000 | 22,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,554,000 | 78,979,000 | 82,698,000 | 86,123,000 |
| Interest-bearing deposits | 65,238,000 | 65,476,000 | 68,604,000 | 73,363,000 |
| Noninterest-bearing deposits | 12,316,000 | 13,503,000 | 14,094,000 | 12,760,000 |
| Equity capital | 8,031,000 | 7,609,000 | 7,727,000 | 8,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,502,000 | 3,063,000 | 4,680,000 | 6,292,000 |
| Interest expense | 613,000 | 1,194,000 | 1,769,000 | 2,313,000 |
| Net interest income | 889,000 | 1,869,000 | 2,911,000 | 3,979,000 |
| Noninterest income | 90,000 | 208,000 | 324,000 | 415,000 |
| Noninterest expense | 663,000 | 1,458,000 | 2,190,000 | 3,015,000 |
| Provision for loan losses | 15,000 | 105,000 | 330,000 | 570,000 |
| Pretax income | 310,000 | 524,000 | 725,000 | 821,000 |
| Income tax | 100,000 | 190,000 | 318,000 | 293,000 |
| Net income | 210,000 | 334,000 | 407,000 | 528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,578,000 | 7,701,000 | 7,775,000 | 7,896,000 |
| Total capital | 8,057,000 | 8,178,000 | 8,446,000 | 8,622,000 |
| Risk-weighted assets | 65,416,000 | 69,733,000 | 75,252,000 | 74,305,000 |
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