Call reports 2023
PINE COUNTRY BANK — 2023
What PINE COUNTRY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 241,291,000 | 245,986,000 | 253,123,000 | 251,110,000 |
| Total loans | 152,676,000 | 153,215,000 | 153,481,000 | 151,895,000 |
| Allowance for loan losses | 1,905,000 | 1,901,000 | 1,883,000 | 1,875,000 |
| Securities available for sale | 57,045,000 | 54,903,000 | 56,066,000 | 57,271,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,197,000 | 214,549,000 | 220,998,000 | 217,153,000 |
| Interest-bearing deposits | 141,942,000 | 142,958,000 | 142,410,000 | 144,396,000 |
| Noninterest-bearing deposits | 68,255,000 | 71,591,000 | 78,588,000 | 72,757,000 |
| Equity capital | 26,014,000 | 26,466,000 | 26,608,000 | 28,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,596,000 | 5,297,000 | 8,290,000 | 11,479,000 |
| Interest expense | 207,000 | 535,000 | 1,001,000 | 1,539,000 |
| Net interest income | 2,389,000 | 4,762,000 | 7,289,000 | 9,940,000 |
| Noninterest income | 123,000 | 304,000 | 461,000 | 641,000 |
| Noninterest expense | 1,614,000 | 3,159,000 | 4,638,000 | 6,425,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 907,000 | 1,922,000 | 3,127,000 | 4,189,000 |
| Income tax | 229,000 | 477,000 | 779,000 | 1,154,000 |
| Net income | 678,000 | 1,445,000 | 2,348,000 | 3,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,900,000 | 22,700,000 | 23,632,000 | 24,352,000 |
| Total capital | 23,805,000 | 24,601,000 | 25,515,000 | 26,239,000 |
| Risk-weighted assets | 163,850,000 | 169,176,000 | 168,285,000 | 167,085,000 |
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