Call reports 2003
PINE RIVER VALLEY BANK — 2003
What PINE RIVER VALLEY 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 | 75,011,000 | 82,530,000 | 86,767,000 | 87,942,000 |
| Total loans | 40,013,000 | 44,385,000 | 42,911,000 | 43,522,000 |
| Allowance for loan losses | 367,000 | 407,000 | 442,000 | 438,000 |
| Securities available for sale | 18,549,000 | 18,090,000 | 20,519,000 | 26,954,000 |
| Securities held to maturity | 4,617,000 | 4,517,000 | 4,516,000 | 4,245,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,917,000 | 74,187,000 | 78,571,000 | 79,675,000 |
| Interest-bearing deposits | 57,344,000 | 62,630,000 | 65,749,000 | 65,763,000 |
| Noninterest-bearing deposits | 9,573,000 | 11,557,000 | 12,822,000 | 13,912,000 |
| Equity capital | 7,707,000 | 8,042,000 | 7,938,000 | 8,146,000 |
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 | 1,102,000 | 2,261,000 | 3,355,000 | 4,485,000 |
| Interest expense | 343,000 | 688,000 | 1,028,000 | 1,366,000 |
| Net interest income | 759,000 | 1,573,000 | 2,327,000 | 3,119,000 |
| Noninterest income | 134,000 | 293,000 | 509,000 | 660,000 |
| Noninterest expense | 443,000 | 943,000 | 1,465,000 | 2,070,000 |
| Provision for loan losses | 35,000 | 75,000 | 110,000 | 114,000 |
| Pretax income | 476,000 | 918,000 | 1,331,000 | 1,665,000 |
| Income tax | 136,000 | 267,000 | 387,000 | 468,000 |
| Net income | 340,000 | 651,000 | 944,000 | 1,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,422,000 | 7,733,000 | 7,750,000 | 7,963,000 |
| Total capital | 7,789,000 | 8,140,000 | 8,192,000 | 8,401,000 |
| Risk-weighted assets | 45,470,000 | 50,095,000 | 49,769,000 | 50,315,000 |