Call reports 2020
PINE COUNTRY BANK — 2020
What PINE COUNTRY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 176,857,000 | 207,652,000 | 210,303,000 | 216,693,000 |
| Total loans | 136,501,000 | 139,907,000 | 136,263,000 | 129,659,000 |
| Allowance for loan losses | 1,452,000 | 1,387,000 | 1,426,000 | 1,471,000 |
| Securities available for sale | 29,567,000 | 29,495,000 | 28,347,000 | 53,354,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,990,000 | 187,831,000 | 189,991,000 | 196,165,000 |
| Interest-bearing deposits | 116,582,000 | 132,993,000 | 131,324,000 | 137,719,000 |
| Noninterest-bearing deposits | 40,408,000 | 54,839,000 | 58,667,000 | 58,445,000 |
| Equity capital | 16,753,000 | 18,431,000 | 18,979,000 | 19,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,112,000 | 4,569,000 | 6,531,000 | 8,456,000 |
| Interest expense | 202,000 | 409,000 | 598,000 | 739,000 |
| Net interest income | 1,910,000 | 4,160,000 | 5,933,000 | 7,717,000 |
| Noninterest income | 184,000 | 396,000 | 593,000 | 869,000 |
| Noninterest expense | 1,296,000 | 2,520,000 | 3,838,000 | 5,236,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,010,000 | 2,219,000 | 2,825,000 | 3,590,000 |
| Income tax | 289,000 | 633,000 | 819,000 | 1,054,000 |
| Net income | 721,000 | 1,586,000 | 2,006,000 | 2,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,691,000 | 17,556,000 | 17,975,000 | 18,505,000 |