Call reports 2004
PINE RIVER STATE BANK — 2004
What PINE RIVER STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 75,256,000 | 74,719,000 | 75,922,000 | 75,532,000 |
| Total loans | 45,583,000 | 45,273,000 | 46,875,000 | 48,696,000 |
| Allowance for loan losses | 473,000 | 476,000 | 451,000 | 429,000 |
| Securities available for sale | 11,335,000 | 12,060,000 | 11,160,000 | 10,358,000 |
| Securities held to maturity | 1,990,000 | 4,113,000 | 4,396,000 | 4,028,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,615,000 | 68,319,000 | 69,264,000 | 68,765,000 |
| Interest-bearing deposits | 58,549,000 | 56,962,000 | 58,236,000 | 58,570,000 |
| Noninterest-bearing deposits | 10,066,000 | 11,357,000 | 11,028,000 | 10,195,000 |
| Equity capital | 6,267,000 | 6,018,000 | 6,266,000 | 6,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,019,000 | 2,059,000 | 3,108,000 | 4,146,000 |
| Interest expense | 300,000 | 593,000 | 892,000 | 1,190,000 |
| Net interest income | 719,000 | 1,466,000 | 2,216,000 | 2,956,000 |
| Noninterest income | 125,000 | 247,000 | 357,000 | 494,000 |
| Noninterest expense | 608,000 | 1,237,000 | 1,883,000 | 2,517,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 221,000 | 446,000 | 660,000 | 903,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 220,000 | 445,000 | 659,000 | 902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,977,000 | 6,038,000 | 6,176,000 | 6,420,000 |
| Total capital | 6,450,000 | 6,514,000 | 6,627,000 | 6,849,000 |
| Risk-weighted assets | 48,194,000 | 48,042,000 | 48,931,000 | 50,300,000 |