Call reports 2016
PINE COUNTRY BANK — 2016
What PINE COUNTRY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 162,770,000 | 161,146,000 | 161,173,000 | 163,607,000 |
| Total loans | 107,952,000 | 109,037,000 | 110,248,000 | 108,721,000 |
| Allowance for loan losses | 1,177,000 | 1,266,000 | 1,346,000 | 1,383,000 |
| Securities available for sale | 42,984,000 | 36,697,000 | 37,227,000 | 36,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,156,000 | 144,215,000 | 143,864,000 | 146,687,000 |
| Interest-bearing deposits | 116,240,000 | 112,336,000 | 109,784,000 | 111,919,000 |
| Noninterest-bearing deposits | 29,916,000 | 31,879,000 | 34,080,000 | 34,768,000 |
| Equity capital | 15,441,000 | 15,916,000 | 16,177,000 | 15,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,727,000 | 3,447,000 | 5,168,000 | 6,847,000 |
| Interest expense | 110,000 | 217,000 | 321,000 | 423,000 |
| Net interest income | 1,617,000 | 3,230,000 | 4,847,000 | 6,424,000 |
| Noninterest income | 226,000 | 373,000 | 491,000 | 610,000 |
| Noninterest expense | 1,304,000 | 2,544,000 | 3,770,000 | 4,966,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 502,000 | 966,000 | 1,385,000 | 1,795,000 |
| Income tax | 200,000 | 309,000 | 476,000 | 588,000 |
| Net income | 302,000 | 657,000 | 909,000 | 1,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,082,000 | 15,442,000 | 15,690,000 | 15,988,000 |
| Total capital | 16,259,000 | 16,709,000 | 17,036,000 | 17,371,000 |
| Risk-weighted assets | 116,651,000 | 117,671,000 | 119,876,000 | 119,163,000 |