# PINE RIVER VALLEY BANK
BAYFIELD, CO · FDIC certificate 22497 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $140.4M | |
| Deposits | $125.7M | |
| Loans and leases | $66.5M | |
| Total equity | $13.5M | |
| Loans / deposits | 51.68% (p20 of band) | 72.67% |
| Liquid assets / assets | 42.35% (p68 of band) | |
| Uninsured deposits / deposits | 11.63% (p42 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.01% (p21 of band) | 10.53% |
| Unrealized securities loss / equity | -1.54% (p14 of band) | 0.18% |
| AOCI / equity | -0.50% (p37 of band) | |
| ROA (annualized) | -0.47% (p3 of band) | 0.82% |
| Net interest margin | 3.67% (p54 of band) | 3.60% |
| Efficiency ratio | 112.82% (p97 of band) | |
| Noncurrent loans | 0.64% (p46 of band) | 0.74% |
| Net charge-offs (annualized) | 0.16% (p85 of band) | |
| Reserve coverage of noncurrent | 360.61% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 77.52% (p91 of band) | |
| Auto loans | $434,000 (0.65% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | noncurrent p90 |  |
| 2011-12 | 3 |  | noncurrent p90 |
| 2012-03 | 4 | assets shrinking |  |
| 2012-06 | 3 |  | assets shrinking |
| 2012-09 | 3 | capital falling | reserve under noncurrent |
| 2012-12 | 3 |  |  |
| 2013-03 | 4 | charge-offs p90 |  |
| 2013-06 | 4 | deposits shrinking, uninsured deposits leaving | capital falling, charge-offs p90 |
| 2013-09 | 4 | assets shrinking | uninsured deposits leaving |
| 2013-12 | 4 |  |  |
| 2014-03 | 3 |  | assets shrinking |
| 2014-06 | 2 |  | deposits shrinking |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2015-01-30 [National Bank Holdings acquires Pine River Valley Bank - The Business Journals](https://news.google.com/rss/articles/CBMitAFBVV95cUxONm11aXBVMjhkZU1iR3haN3pYX3hROUFKSXBEenJXdzl6ZmJEQ0NLYkUtSXMtbjlySU9GVF94cjBCYkdEZE5wR09xWExWMnBaSXV6Ukx4MGVOR3NkQklVcElmNlJMaWhwRTdGM2ZoVjBmbnlDeUdDSEJIdW5QTWt2cUhsSldIWWppcENySmllQTN4V2N5cUUxVC1QVktIWkVtX0JMX3RnZDNSUzJFZVdEdGVUX2U?oc=5) · The Business Journals
- 2018-10-22 [Annette Schultheiss Obituary (1955 - 2018) - Durango, CO - Durango Herald](https://news.google.com/rss/articles/CBMirwFBVV95cUxOaXd2SWF1bjRFamdOX3diajlXbmRYelh1MDZpcGVfUHFNazAxRDFOd3l0OFdMY2l0bl9ZeG5xOWVCMkV5VklEeXhkUlJ1b0tlYU1vRVprRmRqeG53U2RSZ21DRXpqdktkS0I5enBlYm5VY1Vic18weU5BRnA3bzhKd0QzNVh1RHNNS2JWdnN0MDZ4eWR5dnJ4cG5BUVhJQ041UFZxXzRwQ3BXRE9iMm9r?oc=5) · Durango Herald
- 2015-12-29 [Charles Sullivan Obituary (2005 - 2015) - Durango, CO - Durango Herald](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPVFFQSGowdUJuWjVhdUZ2QUxiZ3l0bVZjLWhZTjFJUFJEdzN1c1FlNXNtVXUzSDBYTHc1bVdBeFhwRDlWa2gzd1h0eHl6YVZFZFR1U3N0Zi13VUROOVZpRmMtTXVZMHhTXzhKc1dMa1VCRWdablZMRlAwc2s0OUNPOXNYTWZDeUxIT2YxMEpUQ2ItMEUzYlczZWNfV0xLN0thZVY0aGN6WWsxZ0U?oc=5) · Durango Herald
- 2022-07-13 [Joe Ford Obituary (1928 - 2022) - Durango, CO - Durango Herald](https://news.google.com/rss/articles/CBMioAFBVV95cUxOcnZQT2dmODhSeDlQOElVWHN0WG1MVGt6Nlc4VG5OX3ZzMzZESjRLbEF1RzhCVzA0aWMxSE56ZEFSajFrcTZKY2hpODlmNUh6T29Xd2VqTk1OYUgtSkx6dWQtVzY5VnlvWW5ad0xDMXBsVzNHY2dxamhzTlF4UHJ0UUNJaDM4Y0NZSmUtVE4wS016WjVsdkgxTmJ4MVJQVWcw?oc=5) · Durango Herald
- 2010-10-19 [Devita Jackson Obituary (2010) - Durango, CO - Durango Herald](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNSDUwRGlHcjBNVmxlVDA3M0tCMlJZTTY5MUdMM0hNTzk5YzBfcTJ2UktwalFNaktvMUZmMDAxcV8tUVdkYTR0WGY0TnNmU3F6TlVUbnJXSGJLYVk5TWUtbkpjenVjd1M5ckZUTnhHV3F2UFFTS0xFeC15N0ZpSkd4SmxyY2EtWGlIa2RrMVZIOTJ3bTliMjhDbG1DZWk2MWpEc19EZUY1UkI?oc=5) · Durango Herald
- 2010-12-28 [Thomas Jones Obituary (2010) - Durango, CO - Durango Herald](https://news.google.com/rss/articles/CBMipgFBVV95cUxNX0hCdEI2dGtwZ3pndVlBemFVMHZrV2NXaDVBVG1uZDZWNnViZEEzTjlZWmozRDM1QS1pT1JmOHVIempRYnJMNkNlZmgzM1ZvdnF1RzR4aWVGV3BQSU10YVVrN25ITUo0SHFFQmJlQXBackVycFpyMUJPdTdTaUJObi1ZSFMwWVhBT05EWmszc0lPbjJKWGVSWnBOTUJNUUFBbVZPNzZ3?oc=5) · Durango Herald
- 2011-01-11 [Donald Espinosa Obituary (2011) - Durango, CO - Durango Herald](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNemhob2hreG41eHhmU1hYdkpfTFY0cDI5d1NvUlAwRk51Y3lld2tyX093cjlUYTlGOElBaElrQ243Yi14OGRMYVJybVhtVnAyTDJYNFp1eFNoV1F1ajVBT1hvajJ2aW5OREpyM0hhcWRSb0lKMEZFXzQzRElfSW1XeEFNRUdXU3pFcHpBUkRpOWVvX2NsakZXUzc3RjZQaWFDel9USC1YMEtWZw?oc=5) · Durango Herald
- 2010-12-05 [Melanie Schmier Obituary (2010) - Durango, CO - Durango Herald](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPZW5hQWZCZkZpSTFaRlFLS3lMS3RtVDFtYW1VVFhnbjFNT2VQM2M4Ym1XUmJPOU84ZjRKNFRlelljSElXMXp5LTRNSDhBa0Z1SlpubDFWX0NGelVEajVXSTBLNm43eXBkMmtPT1NiNEZFcFFSQVk3VWo3MXByRnh2dENoNW5Danp5dzFQai0zS25ZcjlNbnFMc21kMGlXTXAxSklqMFdXeVJKUQ?oc=5) · Durango Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22497 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/33.json (key "22497", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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