Call reports 2008
PINE RIVER VALLEY BANK — 2008
What PINE RIVER VALLEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 160,372,000 | 170,703,000 | 176,326,000 | 170,230,000 |
| Total loans | 105,378,000 | 112,257,000 | 121,655,000 | 122,881,000 |
| Allowance for loan losses | 856,000 | 868,000 | 908,000 | 1,081,000 |
| Securities available for sale | 32,001,000 | 38,000,000 | 32,362,000 | 31,411,000 |
| Securities held to maturity | 4,491,000 | 4,491,000 | 4,492,000 | 3,162,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,143,000 | 156,401,000 | 156,586,000 | 150,964,000 |
| Interest-bearing deposits | 119,938,000 | 126,460,000 | 122,694,000 | 117,536,000 |
| Noninterest-bearing deposits | 26,205,000 | 29,941,000 | 33,892,000 | 33,428,000 |
| Equity capital | 12,735,000 | 12,870,000 | 13,211,000 | 13,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,472,000 | 4,943,000 | 7,546,000 | 10,065,000 |
| Interest expense | 998,000 | 1,905,000 | 2,772,000 | 3,574,000 |
| Net interest income | 1,474,000 | 3,038,000 | 4,774,000 | 6,491,000 |
| Noninterest income | 244,000 | 907,000 | 1,223,000 | 1,552,000 |
| Noninterest expense | 1,415,000 | 2,908,000 | 4,386,000 | 5,805,000 |
| Provision for loan losses | 10,000 | 140,000 | 205,000 | 381,000 |
| Pretax income | 310,000 | 915,000 | 1,449,000 | 1,900,000 |
| Income tax | 135,000 | 248,000 | 406,000 | 532,000 |
| Net income | 175,000 | 667,000 | 1,043,000 | 1,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,486,000 | 12,794,000 | 13,172,000 | 13,494,000 |
| Total capital | 13,342,000 | 13,662,000 | 14,080,000 | 14,575,000 |
| Risk-weighted assets | 121,098,000 | 126,263,000 | 131,382,000 | 132,317,000 |