Call reports 2025
PINE COUNTRY BANK — 2025
What PINE COUNTRY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 384,646,000 | 383,231,000 | 388,921,000 | 383,615,000 |
| Total loans | 227,810,000 | 226,764,000 | 231,939,000 | 237,949,000 |
| Allowance for loan losses | 2,711,000 | 2,711,000 | 2,710,000 | 2,605,000 |
| Securities available for sale | 97,000,000 | 103,464,000 | 104,479,000 | 108,552,000 |
| Securities held to maturity | 185,000 | 185,000 | 185,000 | 185,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,517,000 | 340,117,000 | 343,102,000 | 336,754,000 |
| Interest-bearing deposits | 241,862,000 | 239,434,000 | 240,927,000 | 237,237,000 |
| Noninterest-bearing deposits | 98,655,000 | 100,683,000 | 102,175,000 | 99,517,000 |
| Equity capital | 41,825,000 | 41,543,000 | 44,068,000 | 45,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,678,000 | 9,588,000 | 14,469,000 | 19,613,000 |
| Interest expense | 1,354,000 | 2,664,000 | 3,938,000 | 5,106,000 |
| Net interest income | 3,324,000 | 6,924,000 | 10,531,000 | 14,507,000 |
| Noninterest income | 255,000 | 622,000 | 942,000 | 1,229,000 |
| Noninterest expense | 2,274,000 | 4,657,000 | 7,172,000 | 9,522,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,302,000 | 2,886,000 | 4,289,000 | 6,205,000 |
| Income tax | 362,000 | 808,000 | 1,201,000 | 1,737,000 |
| Net income | 940,000 | 2,078,000 | 3,088,000 | 4,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,729,000 | 35,388,000 | 36,420,000 | 37,824,000 |
| Total capital | 38,452,000 | 38,111,000 | 39,142,000 | 40,441,000 |
| Risk-weighted assets | 251,403,000 | 250,714,000 | 257,087,000 | 261,307,000 |
Machine access — free, no API key
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