Call reports 2019
PINE COUNTRY BANK — 2019
What PINE COUNTRY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 169,240,000 | 173,962,000 | 179,019,000 | 182,593,000 |
| Total loans | 123,313,000 | 127,341,000 | 134,659,000 | 137,336,000 |
| Allowance for loan losses | 1,369,000 | 1,372,000 | 1,378,000 | 1,407,000 |
| Securities available for sale | 31,446,000 | 31,001,000 | 30,223,000 | 29,446,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,871,000 | 155,296,000 | 159,466,000 | 162,841,000 |
| Interest-bearing deposits | 114,888,000 | 113,815,000 | 116,040,000 | 118,961,000 |
| Noninterest-bearing deposits | 36,982,000 | 41,481,000 | 43,427,000 | 43,880,000 |
| Equity capital | 16,118,000 | 17,066,000 | 17,829,000 | 18,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,920,000 | 3,899,000 | 5,992,000 | 8,125,000 |
| Interest expense | 159,000 | 341,000 | 545,000 | 759,000 |
| Net interest income | 1,761,000 | 3,558,000 | 5,447,000 | 7,366,000 |
| Noninterest income | 144,000 | 328,000 | 549,000 | 742,000 |
| Noninterest expense | 1,245,000 | 2,510,000 | 3,766,000 | 5,130,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 659,000 | 1,369,000 | 2,238,000 | 2,956,000 |
| Income tax | 173,000 | 347,000 | 581,000 | 783,000 |
| Net income | 486,000 | 1,022,000 | 1,657,000 | 2,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,183,000 | 16,719,000 | 17,354,000 | 17,870,000 |
| Total capital | 17,552,000 | 18,091,000 | 18,732,000 | 19,277,000 |
| Risk-weighted assets | 133,044,000 | 135,158,000 | 143,100,000 | 144,433,000 |
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