Call reports 2003
PINE RIVER STATE BANK — 2003
What PINE RIVER STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 68,529,000 | 71,845,000 | 75,300,000 | 75,468,000 |
| Total loans | 45,243,000 | 43,515,000 | 43,075,000 | 44,902,000 |
| Allowance for loan losses | 492,000 | 497,000 | 489,000 | 471,000 |
| Securities available for sale | 9,605,000 | 9,587,000 | 12,473,000 | 11,965,000 |
| Securities held to maturity | 906,000 | 905,000 | 1,892,000 | 2,409,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,847,000 | 65,163,000 | 68,548,000 | 68,523,000 |
| Interest-bearing deposits | 52,495,000 | 54,997,000 | 57,847,000 | 57,800,000 |
| Noninterest-bearing deposits | 9,352,000 | 10,166,000 | 10,701,000 | 10,723,000 |
| Equity capital | 6,154,000 | 6,282,000 | 6,342,000 | 6,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,078,000 | 2,124,000 | 3,173,000 | 4,231,000 |
| Interest expense | 313,000 | 620,000 | 944,000 | 1,258,000 |
| Net interest income | 765,000 | 1,504,000 | 2,229,000 | 2,973,000 |
| Noninterest income | 123,000 | 237,000 | 354,000 | 486,000 |
| Noninterest expense | 532,000 | 1,100,000 | 1,684,000 | 2,292,000 |
| Provision for loan losses | 15,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 341,000 | 621,000 | 879,000 | 1,147,000 |
| Income tax | -91,000 | -161,000 | -161,000 | -172,000 |
| Net income | 432,000 | 782,000 | 1,040,000 | 1,319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,837,000 | 5,938,000 | 6,088,000 | 6,367,000 |
| Total capital | 6,329,000 | 6,435,000 | 6,577,000 | 6,838,000 |
| Risk-weighted assets | 46,285,000 | 45,457,000 | 45,776,000 | 47,874,000 |