Call reports 2022
PINE COUNTRY BANK — 2022
What PINE COUNTRY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 249,873,000 | 253,136,000 | 255,492,000 | 249,932,000 |
| Total loans | 135,525,000 | 144,114,000 | 148,209,000 | 150,723,000 |
| Allowance for loan losses | 51,000 | 81,000 | 102,000 | 119,000 |
| Securities available for sale | 53,231,000 | 61,401,000 | 59,226,000 | 58,524,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,091,000 | 226,962,000 | 229,267,000 | 222,493,000 |
| Interest-bearing deposits | 151,836,000 | 154,118,000 | 152,971,000 | 149,513,000 |
| Noninterest-bearing deposits | 70,256,000 | 72,844,000 | 76,296,000 | 72,981,000 |
| Equity capital | 26,981,000 | 25,594,000 | 25,667,000 | 26,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,785,000 | 4,184,000 | 6,735,000 | 9,385,000 |
| Interest expense | 95,000 | 187,000 | 286,000 | 420,000 |
| Net interest income | 1,690,000 | 3,997,000 | 6,449,000 | 8,965,000 |
| Noninterest income | 148,000 | 343,000 | 547,000 | 704,000 |
| Noninterest expense | 1,410,000 | 2,723,000 | 4,146,000 | 6,087,000 |
| Provision for loan losses | 51,000 | 82,000 | 103,000 | 124,000 |
| Pretax income | 373,000 | 1,522,000 | 2,737,000 | 3,446,000 |
| Income tax | 126,000 | 444,000 | 787,000 | 980,000 |
| Net income | 247,000 | 1,078,000 | 1,950,000 | 2,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,110,000 | 21,413,000 | 22,228,000 | 22,479,000 |
| Total capital | 21,161,000 | 21,494,000 | 22,330,000 | 22,598,000 |
| Risk-weighted assets | 151,364,000 | 162,800,000 | 166,193,000 | 168,150,000 |
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