Call reports 2013
PINE COUNTRY BANK — 2013
What PINE COUNTRY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 160,445,000 | 160,444,000 | 162,320,000 | 166,116,000 |
| Total loans | 93,529,000 | 96,589,000 | 98,545,000 | 101,126,000 |
| Allowance for loan losses | 1,210,000 | 1,215,000 | 1,273,000 | 1,228,000 |
| Securities available for sale | 44,178,000 | 50,481,000 | 49,512,000 | 49,815,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,578,000 | 147,640,000 | 149,114,000 | 152,795,000 |
| Interest-bearing deposits | 124,762,000 | 123,389,000 | 124,184,000 | 125,209,000 |
| Noninterest-bearing deposits | 22,816,000 | 24,251,000 | 24,930,000 | 27,586,000 |
| Equity capital | 12,444,000 | 12,281,000 | 12,581,000 | 12,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,639,000 | 3,253,000 | 5,011,000 | 6,667,000 |
| Interest expense | 154,000 | 296,000 | 435,000 | 568,000 |
| Net interest income | 1,485,000 | 2,957,000 | 4,576,000 | 6,099,000 |
| Noninterest income | 122,000 | 249,000 | 370,000 | 511,000 |
| Noninterest expense | 1,178,000 | 2,323,000 | 3,492,000 | 4,706,000 |
| Provision for loan losses | 60,000 | 100,000 | 160,000 | 220,000 |
| Pretax income | 373,000 | 805,000 | 1,240,000 | 1,598,000 |
| Income tax | 131,000 | 278,000 | 431,000 | 660,000 |
| Net income | 242,000 | 527,000 | 809,000 | 938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,150,000 | 12,435,000 | 12,717,000 | 12,846,000 |
| Total capital | 13,360,000 | 13,650,000 | 13,990,000 | 14,074,000 |
| Risk-weighted assets | 106,611,000 | 109,908,000 | 112,013,000 | 115,744,000 |
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