Call reports 2024
PINE COUNTRY BANK — 2024
What PINE COUNTRY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 244,728,000 | 243,971,000 | 253,659,000 | 245,993,000 |
| Total loans | 151,335,000 | 153,935,000 | 152,697,000 | 151,490,000 |
| Allowance for loan losses | 1,875,000 | 1,875,000 | 1,874,000 | 1,870,000 |
| Securities available for sale | 56,996,000 | 55,337,000 | 59,308,000 | 58,396,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,463,000 | 205,632,000 | 212,199,000 | 217,127,000 |
| Interest-bearing deposits | 139,909,000 | 141,398,000 | 141,316,000 | 148,980,000 |
| Noninterest-bearing deposits | 67,554,000 | 64,234,000 | 70,883,000 | 68,147,000 |
| Equity capital | 27,769,000 | 28,821,000 | 32,516,000 | 27,839,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,095,000 | 6,410,000 | 9,730,000 | 13,109,000 |
| Interest expense | 619,000 | 1,303,000 | 2,042,000 | 2,777,000 |
| Net interest income | 2,476,000 | 5,107,000 | 7,688,000 | 10,332,000 |
| Noninterest income | 183,000 | 378,000 | 592,000 | 804,000 |
| Noninterest expense | 1,406,000 | 3,035,000 | 4,692,000 | 6,422,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,252,000 | 2,435,000 | 3,581,000 | 4,709,000 |
| Income tax | 321,000 | 621,000 | 925,000 | 1,311,000 |
| Net income | 931,000 | 1,814,000 | 2,656,000 | 3,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,809,000 | 24,717,000 | 25,587,000 | 22,354,000 |
| Total capital | 25,696,000 | 26,604,000 | 27,474,000 | 24,236,000 |
| Risk-weighted assets | 168,521,000 | 170,715,000 | 171,374,000 | 170,357,000 |