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Pine River Valley Bank

Bayfield, CO · Cert 22497

FDIC · 4 branches

Q2 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2015, the quarter ended June 30, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pine River Valley Bank

Bayfield, CO · Cert 22497

FDIC · 4 branches

Q2 2015

$140.4MAssets
$66.5MLoans
$125.7MDeposits
$13.5MEquity
Loan mix
89%RE $48.0M9%C&I $4.8M2%Consumer $1.3MQ2 2014Q2 2015
Deposit mix
70%Interest-bearing $87.5M30%Noninterest $38.3MQ2 2014Q2 2015

NIM

3.52%Q2 ’133.57%Q2 ’143.31%Q2 ’15+4%-6%

Non-interest income vs. expense

4.07%Q2 ’134.09%Q2 ’144.15%Q2 ’15+2%-8%

Executive Summary

  • Earnings: ROA of -0.47%, up 11 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.34%.
  • Capital: tier 1 leverage ratio of 9.01%.
  • Funding: loans stand at 52.91% of deposits as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.47%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.20%-20 bps YoY

Efficiency Ratio (YTD, annualized)

112.82%-360 bps YoY

Tier 1 Leverage Ratio

9.01%

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-0.58%-0.62%-0.46%-0.37%-0.47%+11 bps
Return on Equity-5.79%-6.26%-4.58%-3.69%-4.76%+103 bps
Net Interest Margin3.39%3.33%3.41%3.24%3.20%-20 bps
Efficiency Ratio116.42%116.83%111.96%110.29%112.82%-360 bps
Non-Interest Burden3.97%3.94%3.86%3.59%3.64%-33 bps
Growth
Asset Growth (YoY)-3.35%-4.58%-1.51%1.52%-0.13%+322 bps
Loan Growth (YoY)-11.27%0.06%0.14%1.53%1.93%+1,319 bps
Deposit Growth (YoY)-3.33%-4.69%-1.50%1.72%0.28%+361 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.02%0.01%-0.07%0.34%+31 bps
Allowance / Loans2.54%2.35%2.48%2.47%2.32%-21 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a9.39%9.01%n/a
Total Risk-Based Capital18.07%16.86%17.73%17.84%17.54%-53 bps
Equity / Assets9.92%9.66%10.24%9.92%9.60%-32 bps
Liquidity & Funding
Loans / Deposits52.06%55.54%55.65%54.02%52.91%+85 bps
Liquid Assets / Assets10.15%8.66%7.78%11.86%12.83%+268 bps
CRE / Total Capitaln/an/an/an/an/an/an/a