Call reports 2004
PINE RIVER VALLEY BANK — 2004
What PINE RIVER VALLEY 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 | 87,732,000 | 105,843,000 | 104,954,000 | 101,481,000 |
| Total loans | 48,488,000 | 52,820,000 | 56,741,000 | 61,704,000 |
| Allowance for loan losses | 464,000 | 507,000 | 558,000 | 579,000 |
| Securities available for sale | 26,557,000 | 37,187,000 | 33,131,000 | 27,729,000 |
| Securities held to maturity | 4,244,000 | 4,144,000 | 4,144,000 | 3,954,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,399,000 | 98,835,000 | 97,052,000 | 94,027,000 |
| Interest-bearing deposits | 66,285,000 | 80,794,000 | 79,712,000 | 76,414,000 |
| Noninterest-bearing deposits | 14,114,000 | 18,041,000 | 17,340,000 | 17,613,000 |
| Equity capital | 7,045,000 | 6,681,000 | 7,286,000 | 7,051,000 |
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 | 1,209,000 | 2,507,000 | 3,935,000 | 5,416,000 |
| Interest expense | 332,000 | 690,000 | 1,079,000 | 1,463,000 |
| Net interest income | 877,000 | 1,817,000 | 2,856,000 | 3,953,000 |
| Noninterest income | 150,000 | 308,000 | 470,000 | 654,000 |
| Noninterest expense | 639,000 | 1,286,000 | 2,007,000 | 2,753,000 |
| Provision for loan losses | 31,000 | 73,000 | 123,000 | 170,000 |
| Pretax income | 385,000 | 804,000 | 1,237,000 | 1,729,000 |
| Income tax | 112,000 | 231,000 | 358,000 | 479,000 |
| Net income | 273,000 | 573,000 | 879,000 | 1,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,847,000 | 6,816,000 | 7,123,000 | 6,974,000 |
| Total capital | 7,311,000 | 7,323,000 | 7,681,000 | 7,553,000 |
| Risk-weighted assets | 54,025,000 | 63,245,000 | 66,722,000 | 69,678,000 |