Call reports 2002
FIRST NATIONAL BANK OF RIVER FALLS, THE — 2002
What FIRST NATIONAL BANK OF RIVER FALLS, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 216,816,000 | 218,741,000 | 221,282,000 | 228,607,000 |
| Total loans | 119,901,000 | 124,114,000 | 126,932,000 | 127,472,000 |
| Allowance for loan losses | 2,251,000 | 2,293,000 | 2,337,000 | 2,380,000 |
| Securities available for sale | 89,907,000 | 84,948,000 | 85,583,000 | 91,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,747,000 | 178,043,000 | 179,765,000 | 180,815,000 |
| Interest-bearing deposits | 155,210,000 | 158,177,000 | 157,714,000 | 158,303,000 |
| Noninterest-bearing deposits | 19,537,000 | 19,866,000 | 22,051,000 | 22,512,000 |
| Equity capital | 21,824,000 | 23,469,000 | 24,229,000 | 24,657,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,482,000 | 6,992,000 | 10,382,000 | 13,745,000 |
| Interest expense | 1,386,000 | 2,704,000 | 3,902,000 | 5,029,000 |
| Net interest income | 2,096,000 | 4,288,000 | 6,480,000 | 8,716,000 |
| Noninterest income | 505,000 | 955,000 | 1,448,000 | 2,158,000 |
| Noninterest expense | 1,615,000 | 3,123,000 | 4,758,000 | 6,610,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 943,000 | 2,039,000 | 3,024,000 | 4,077,000 |
| Income tax | 32,000 | 62,000 | 65,000 | 67,000 |
| Net income | 911,000 | 1,977,000 | 2,959,000 | 4,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,278,000 | 20,745,000 | 21,126,000 | 21,527,000 |
| Total capital | 21,869,000 | 22,386,000 | 22,783,000 | 23,235,000 |
| Risk-weighted assets | 126,628,000 | 130,606,000 | 131,899,000 | 135,982,000 |