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Overview / Commentary
301 North Commerce Drive
Bayfield, CO 81122

Pine River Valley Bank is headquartered in Bayfield and is the 56th largest bank in the state of Colorado. It is also the 3,931st largest bank in the nation. It was established in 1977 and as of December of 2013, it had grown to 44 employees at 4 locations. Pine River Valley Bank has a C+ health rating.

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Health

Data for Q4 2013

Institution Health

C+

Texas Ratio

GRADE:
C

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Pine River Valley Bank had $7.13 million in non-current loans and owned real-estate with $15.68 million in equity and loan loss allowances on hand to cover it. This gives Pine River Valley Bank a Texas Ratio of 45.48% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Pine River Valley Bank decreased slightly from 63.77% as of December 31, 2012 to 45.48% as of December 31, 2013, resulting in a positive change of 28.69%.This indicates that the balance sheet and financial strength for Pine River Valley Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
D

In the past year, Pine River Valley Bank has decreased its total deposits by -$11.18 million, resulting in -8.39% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pine River Valley Bank has shown is below average.

Capitalization

GRADE:
A

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pine River Valley Bank has $137.6 million in assets with $15.68 million in equity, resulting in a capitalization level of 11.40%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #22497
Year Established1977
Employees44
Primary RegulatorFDIC
Assets and Liabilities
Assets$137.60 million
Loans$65.30 million
Deposits$122.12 million
Equity Capital$14.02 million
Loan Loss Allowance$1.67 million
Unbacked Noncurrent Loans$698,000
Real Estate Owned$6.43 million
Historic Data - December 2012
Assets$147.95 million
Equity Capital$13.25 million
Loan Loss Allowance$2.17 million
Unbacked Noncurrent Loans$698,000
Real Estate Owned$7.84 million
Profit Margin - Quarterly
Net Interest Margin3.94%
Return on Assets-0.32%
Return on Equity-3.39%
Interest Income$5.24 million
Rates

Sorry, we do not have rate data for Pine River Valley Bank

Locations


Pine River Valley Bank Locations
Creede Branch117 North Main StreetCreede, CO 81130
Durango Branch1701 Main AveDurango, CO 81301
Lake City Branch231 Silver StreetLake City, CO 81235
Pine River Valley Bank301 North Commerce DriveBayfield, CO 81122