Call reports 2017
PINE COUNTRY BANK — 2017
What PINE COUNTRY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 161,673,000 | 165,970,000 | 171,960,000 | 174,337,000 |
| Total loans | 106,420,000 | 112,335,000 | 112,700,000 | 115,856,000 |
| Allowance for loan losses | 1,474,000 | 1,640,000 | 1,617,000 | 1,327,000 |
| Securities available for sale | 37,933,000 | 37,142,000 | 38,792,000 | 38,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,577,000 | 149,203,000 | 154,783,000 | 157,199,000 |
| Interest-bearing deposits | 110,844,000 | 111,375,000 | 115,098,000 | 117,189,000 |
| Noninterest-bearing deposits | 34,733,000 | 37,828,000 | 39,685,000 | 40,010,000 |
| Equity capital | 15,180,000 | 15,768,000 | 16,055,000 | 16,070,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,647,000 | 3,379,000 | 5,136,000 | 7,050,000 |
| Interest expense | 100,000 | 202,000 | 309,000 | 420,000 |
| Net interest income | 1,547,000 | 3,177,000 | 4,827,000 | 6,630,000 |
| Noninterest income | 111,000 | 279,000 | 396,000 | 514,000 |
| Noninterest expense | 1,301,000 | 2,542,000 | 3,788,000 | 5,010,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 252,000 | 719,000 | 1,158,000 | 1,784,000 |
| Income tax | 84,000 | 295,000 | 402,000 | 649,000 |
| Net income | 168,000 | 424,000 | 756,000 | 1,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,155,000 | 15,411,000 | 15,744,000 | 16,123,000 |
| Total capital | 16,627,000 | 16,962,000 | 17,294,000 | 17,450,000 |
| Risk-weighted assets | 117,651,000 | 123,954,000 | 123,807,000 | 124,952,000 |