Call reports 2006
PINE RIVER VALLEY BANK — 2006
What PINE RIVER VALLEY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 110,434,000 | 121,069,000 | 117,892,000 | 115,000,000 |
| Total loans | 64,056,000 | 65,475,000 | 68,534,000 | 68,261,000 |
| Allowance for loan losses | 576,000 | 576,000 | 576,000 | 576,000 |
| Securities available for sale | 26,771,000 | 34,249,000 | 29,240,000 | 28,177,000 |
| Securities held to maturity | 4,460,000 | 5,206,000 | 5,206,000 | 4,901,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,266,000 | 112,843,000 | 108,917,000 | 105,872,000 |
| Interest-bearing deposits | 81,594,000 | 89,094,000 | 88,521,000 | 85,455,000 |
| Noninterest-bearing deposits | 20,672,000 | 23,749,000 | 20,396,000 | 20,417,000 |
| Equity capital | 7,211,000 | 7,325,000 | 8,017,000 | 8,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,656,000 | 3,477,000 | 5,470,000 | 7,375,000 |
| Interest expense | 591,000 | 1,274,000 | 2,058,000 | 2,817,000 |
| Net interest income | 1,065,000 | 2,203,000 | 3,412,000 | 4,558,000 |
| Noninterest income | 177,000 | 381,000 | 649,000 | 857,000 |
| Noninterest expense | 880,000 | 1,758,000 | 2,679,000 | 3,663,000 |
| Provision for loan losses | -38,000 | -38,000 | -38,000 | -39,000 |
| Pretax income | 400,000 | 864,000 | 1,418,000 | 1,788,000 |
| Income tax | 116,000 | 207,000 | 399,000 | 498,000 |
| Net income | 284,000 | 657,000 | 1,019,000 | 1,290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,549,000 | 7,922,000 | 8,264,000 | 8,520,000 |
| Total capital | 8,125,000 | 8,498,000 | 8,840,000 | 9,096,000 |
| Risk-weighted assets | 79,288,000 | 81,781,000 | 83,176,000 | 83,359,000 |