Call reports 2009
PINE COUNTRY BANK — 2009
What PINE COUNTRY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 101,573,000 | 113,962,000 | 116,509,000 | 126,739,000 |
| Total loans | 67,617,000 | 70,012,000 | 70,176,000 | 71,875,000 |
| Allowance for loan losses | 729,000 | 710,000 | 648,000 | 677,000 |
| Securities available for sale | 22,939,000 | 26,098,000 | 27,828,000 | 29,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,456,000 | 103,649,000 | 105,678,000 | 115,817,000 |
| Interest-bearing deposits | 77,059,000 | 90,223,000 | 92,605,000 | 100,631,000 |
| Noninterest-bearing deposits | 14,397,000 | 13,426,000 | 13,073,000 | 15,186,000 |
| Equity capital | 8,166,000 | 8,279,000 | 8,661,000 | 8,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,554,000 | 3,188,000 | 4,837,000 | 6,506,000 |
| Interest expense | 508,000 | 1,040,000 | 1,595,000 | 2,150,000 |
| Net interest income | 1,046,000 | 2,148,000 | 3,242,000 | 4,356,000 |
| Noninterest income | 87,000 | 191,000 | 280,000 | 399,000 |
| Noninterest expense | 819,000 | 1,684,000 | 2,661,000 | 3,588,000 |
| Provision for loan losses | 30,000 | 87,000 | 117,000 | 147,000 |
| Pretax income | 324,000 | 621,000 | 811,000 | 1,093,000 |
| Income tax | 101,000 | 204,000 | 266,000 | 346,000 |
| Net income | 223,000 | 417,000 | 545,000 | 747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,119,000 | 8,313,000 | 8,441,000 | 8,643,000 |
| Total capital | 8,848,000 | 9,023,000 | 9,089,000 | 9,320,000 |
| Risk-weighted assets | 76,295,000 | 80,984,000 | 81,689,000 | 86,457,000 |
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