Call reports 2007
PINE RIVER VALLEY BANK — 2007
What PINE RIVER VALLEY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 116,559,000 | 156,284,000 | 156,205,000 | 156,439,000 |
| Total loans | 67,730,000 | 90,832,000 | 90,331,000 | 98,804,000 |
| Allowance for loan losses | 575,000 | 845,000 | 854,000 | 848,000 |
| Securities available for sale | 31,614,000 | 43,234,000 | 44,675,000 | 39,830,000 |
| Securities held to maturity | 4,901,000 | 4,901,000 | 4,901,000 | 4,491,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,287,000 | 143,711,000 | 142,899,000 | 137,662,000 |
| Interest-bearing deposits | 88,301,000 | 114,726,000 | 112,658,000 | 79,698,000 |
| Noninterest-bearing deposits | 18,986,000 | 28,985,000 | 30,241,000 | 57,964,000 |
| Equity capital | 8,250,000 | 11,366,000 | 12,084,000 | 12,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,875,000 | 4,399,000 | 7,074,000 | 9,740,000 |
| Interest expense | 796,000 | 1,805,000 | 2,868,000 | 3,951,000 |
| Net interest income | 1,079,000 | 2,594,000 | 4,206,000 | 5,789,000 |
| Noninterest income | 218,000 | 510,000 | 805,000 | 1,346,000 |
| Noninterest expense | 1,087,000 | 2,481,000 | 3,847,000 | 5,280,000 |
| Provision for loan losses | 0 | 15,000 | 30,000 | 30,000 |
| Pretax income | 211,000 | 617,000 | 1,144,000 | 1,876,000 |
| Income tax | 57,000 | 173,000 | 320,000 | 473,000 |
| Net income | 154,000 | 444,000 | 824,000 | 1,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,394,000 | 11,830,000 | 12,199,000 | 12,779,000 |
| Total capital | 8,969,000 | 12,675,000 | 13,053,000 | 13,627,000 |
| Risk-weighted assets | 83,470,000 | 110,041,000 | 105,154,000 | 117,072,000 |