Call reports 2018
PINE COUNTRY BANK — 2018
What PINE COUNTRY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 169,501,000 | 170,825,000 | 174,828,000 | 173,051,000 |
| Total loans | 118,515,000 | 117,606,000 | 120,431,000 | 123,672,000 |
| Allowance for loan losses | 1,431,000 | 1,440,000 | 1,434,000 | 1,433,000 |
| Securities available for sale | 37,912,000 | 35,434,000 | 33,887,000 | 34,141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,408,000 | 154,105,000 | 157,588,000 | 154,983,000 |
| Interest-bearing deposits | 116,237,000 | 116,678,000 | 119,888,000 | 115,695,000 |
| Noninterest-bearing deposits | 37,171,000 | 37,426,000 | 37,700,000 | 39,288,000 |
| Equity capital | 15,177,000 | 15,723,000 | 16,041,000 | 16,850,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,836,000 | 3,732,000 | 5,653,000 | 7,632,000 |
| Interest expense | 115,000 | 233,000 | 355,000 | 497,000 |
| Net interest income | 1,721,000 | 3,499,000 | 5,298,000 | 7,135,000 |
| Noninterest income | 207,000 | 369,000 | 500,000 | 619,000 |
| Noninterest expense | 1,346,000 | 2,605,000 | 3,902,000 | 5,129,000 |
| Provision for loan losses | 105,000 | 140,000 | 140,000 | 140,000 |
| Pretax income | 477,000 | 1,112,000 | 1,745,000 | 2,474,000 |
| Income tax | 129,000 | 261,000 | 439,000 | 619,000 |
| Net income | 348,000 | 851,000 | 1,306,000 | 1,855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,721,000 | 16,224,000 | 16,699,000 | 17,247,000 |
| Total capital | 17,152,000 | 17,664,000 | 18,133,000 | 18,680,000 |
| Risk-weighted assets | 127,478,000 | 127,785,000 | 131,132,000 | 134,324,000 |