Call reports 2015
PINE COUNTRY BANK — 2015
What PINE COUNTRY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 160,847,000 | 161,997,000 | 164,273,000 | 164,448,000 |
| Total loans | 101,655,000 | 102,661,000 | 106,097,000 | 104,558,000 |
| Allowance for loan losses | 1,066,000 | 945,000 | 1,024,000 | 1,080,000 |
| Securities available for sale | 44,786,000 | 40,275,000 | 40,990,000 | 46,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,587,000 | 146,399,000 | 148,236,000 | 148,306,000 |
| Interest-bearing deposits | 116,623,000 | 118,281,000 | 117,783,000 | 117,746,000 |
| Noninterest-bearing deposits | 28,964,000 | 28,118,000 | 30,453,000 | 30,560,000 |
| Equity capital | 14,181,000 | 14,388,000 | 14,785,000 | 15,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,647,000 | 3,327,000 | 5,028,000 | 6,747,000 |
| Interest expense | 119,000 | 237,000 | 345,000 | 456,000 |
| Net interest income | 1,528,000 | 3,090,000 | 4,683,000 | 6,291,000 |
| Noninterest income | 130,000 | 508,000 | 623,000 | 725,000 |
| Noninterest expense | 1,211,000 | 2,465,000 | 3,714,000 | 4,931,000 |
| Provision for loan losses | 98,000 | 173,000 | 248,000 | 323,000 |
| Pretax income | 373,000 | 981,000 | 1,365,000 | 1,791,000 |
| Income tax | 172,000 | 397,000 | 527,000 | 625,000 |
| Net income | 201,000 | 584,000 | 838,000 | 1,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,815,000 | 14,198,000 | 14,453,000 | 14,780,000 |
| Total capital | 14,881,000 | 15,143,000 | 15,477,000 | 15,860,000 |
| Risk-weighted assets | 112,078,000 | 108,712,000 | 116,468,000 | 114,914,000 |