Call reports 2005
PINE RIVER VALLEY BANK — 2005
What PINE RIVER VALLEY 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 | 99,512,000 | 108,168,000 | 105,981,000 | 105,961,000 |
| Total loans | 61,907,000 | 62,256,000 | 66,906,000 | 66,391,000 |
| Allowance for loan losses | 620,000 | 619,000 | 619,000 | 614,000 |
| Securities available for sale | 23,591,000 | 24,253,000 | 23,789,000 | 23,555,000 |
| Securities held to maturity | 3,954,000 | 3,953,000 | 3,954,000 | 3,788,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,391,000 | 100,205,000 | 97,128,000 | 97,966,000 |
| Interest-bearing deposits | 76,058,000 | 81,432,000 | 76,321,000 | 77,147,000 |
| Noninterest-bearing deposits | 16,333,000 | 18,773,000 | 20,807,000 | 20,819,000 |
| Equity capital | 6,714,000 | 7,182,000 | 7,354,000 | 7,228,000 |
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 | 1,435,000 | 2,941,000 | 4,548,000 | 6,190,000 |
| Interest expense | 363,000 | 756,000 | 1,195,000 | 1,692,000 |
| Net interest income | 1,072,000 | 2,185,000 | 3,353,000 | 4,498,000 |
| Noninterest income | 147,000 | 334,000 | 550,000 | 739,000 |
| Noninterest expense | 831,000 | 1,669,000 | 2,551,000 | 3,384,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 332,000 | 794,000 | 1,290,000 | 1,791,000 |
| Income tax | 95,000 | 225,000 | 366,000 | 513,000 |
| Net income | 237,000 | 569,000 | 924,000 | 1,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,936,000 | 7,258,000 | 7,489,000 | 7,526,000 |
| Total capital | 7,556,000 | 7,877,000 | 8,108,000 | 8,140,000 |
| Risk-weighted assets | 72,346,000 | 74,549,000 | 77,780,000 | 78,553,000 |