Call reports 2012
PINE COUNTRY BANK — 2012
What PINE COUNTRY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 165,413,000 | 160,255,000 | 157,626,000 | 159,255,000 |
| Total loans | 91,101,000 | 94,188,000 | 92,277,000 | 90,459,000 |
| Allowance for loan losses | 1,070,000 | 1,118,000 | 1,178,000 | 1,150,000 |
| Securities available for sale | 58,156,000 | 55,221,000 | 50,110,000 | 51,987,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,551,000 | 147,974,000 | 144,659,000 | 146,606,000 |
| Interest-bearing deposits | 132,697,000 | 125,855,000 | 122,215,000 | 123,424,000 |
| Noninterest-bearing deposits | 20,854,000 | 22,119,000 | 22,444,000 | 23,182,000 |
| Equity capital | 11,328,000 | 11,734,000 | 12,295,000 | 12,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,728,000 | 3,604,000 | 5,388,000 | 7,085,000 |
| Interest expense | 267,000 | 495,000 | 689,000 | 859,000 |
| Net interest income | 1,461,000 | 3,109,000 | 4,699,000 | 6,226,000 |
| Noninterest income | 122,000 | 242,000 | 351,000 | 472,000 |
| Noninterest expense | 1,106,000 | 2,221,000 | 3,359,000 | 4,526,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 421,000 | 1,076,000 | 1,590,000 | 2,016,000 |
| Income tax | 151,000 | 377,000 | 550,000 | 852,000 |
| Net income | 270,000 | 699,000 | 1,040,000 | 1,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,015,000 | 11,443,000 | 11,784,000 | 11,908,000 |
| Total capital | 12,085,000 | 12,561,000 | 12,962,000 | 13,058,000 |
| Risk-weighted assets | 106,499,000 | 108,555,000 | 105,612,000 | 104,090,000 |