Call reports 2003
FIRST NATIONAL BANK OF RIVER FALLS, THE — 2003
What FIRST NATIONAL BANK OF RIVER FALLS, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 231,043,000 | 244,293,000 | 249,757,000 | 254,287,000 |
| Total loans | 125,126,000 | 140,774,000 | 142,807,000 | 143,447,000 |
| Allowance for loan losses | 2,418,000 | 2,463,000 | 2,480,000 | 2,487,000 |
| Securities available for sale | 97,159,000 | 93,758,000 | 96,803,000 | 102,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,423,000 | 180,506,000 | 191,482,000 | 185,913,000 |
| Interest-bearing deposits | 149,739,000 | 156,797,000 | 169,073,000 | 163,900,000 |
| Noninterest-bearing deposits | 19,684,000 | 23,709,000 | 22,409,000 | 22,013,000 |
| Equity capital | 24,848,000 | 25,187,000 | 25,332,000 | 25,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,048,000 | 6,084,000 | 9,234,000 | 12,381,000 |
| Interest expense | 990,000 | 1,976,000 | 2,982,000 | 3,992,000 |
| Net interest income | 2,058,000 | 4,108,000 | 6,252,000 | 8,389,000 |
| Noninterest income | 652,000 | 1,248,000 | 1,998,000 | 2,466,000 |
| Noninterest expense | 1,700,000 | 3,353,000 | 5,254,000 | 7,058,000 |
| Provision for loan losses | 45,000 | 90,000 | 120,000 | 120,000 |
| Pretax income | 965,000 | 1,938,000 | 2,907,000 | 3,711,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 962,000 | 1,932,000 | 2,898,000 | 3,699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,890,000 | 22,260,000 | 22,626,000 | 22,827,000 |
| Total capital | 23,597,000 | 24,142,000 | 24,495,000 | 24,744,000 |
| Risk-weighted assets | 135,823,000 | 149,957,000 | 148,892,000 | 152,812,000 |
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