Call reports 2005
PINE RIVER STATE BANK — 2005
What PINE RIVER STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 74,794,000 | 75,887,000 | 79,344,000 | 79,377,000 |
| Total loans | 48,447,000 | 51,437,000 | 55,757,000 | 57,465,000 |
| Allowance for loan losses | 435,000 | 449,000 | 474,000 | 473,000 |
| Securities available for sale | 9,318,000 | 9,119,000 | 7,860,000 | 6,775,000 |
| Securities held to maturity | 3,819,000 | 3,897,000 | 3,795,000 | 3,412,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,242,000 | 69,170,000 | 71,699,000 | 71,565,000 |
| Interest-bearing deposits | 58,166,000 | 57,640,000 | 58,629,000 | 59,481,000 |
| Noninterest-bearing deposits | 10,076,000 | 11,530,000 | 13,070,000 | 12,084,000 |
| Equity capital | 6,165,000 | 6,317,000 | 6,464,000 | 6,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,059,000 | 2,159,000 | 3,338,000 | 4,564,000 |
| Interest expense | 303,000 | 609,000 | 945,000 | 1,318,000 |
| Net interest income | 756,000 | 1,550,000 | 2,393,000 | 3,246,000 |
| Noninterest income | 118,000 | 258,000 | 393,000 | 537,000 |
| Noninterest expense | 624,000 | 1,255,000 | 1,934,000 | 2,669,000 |
| Provision for loan losses | 15,000 | 30,000 | 58,000 | 72,000 |
| Pretax income | 235,000 | 523,000 | 794,000 | 1,042,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 234,000 | 522,000 | 793,000 | 1,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,280,000 | 6,376,000 | 6,549,000 | 6,797,000 |
| Total capital | 6,715,000 | 6,825,000 | 7,023,000 | 7,270,000 |
| Risk-weighted assets | 50,005,000 | 52,339,000 | 56,377,000 | 58,662,000 |