Call reports 2004
FIRST NATIONAL BANK OF RIVER FALLS, THE — 2004
What FIRST NATIONAL BANK OF RIVER FALLS, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 262,673,000 | 264,509,000 | 275,341,000 | 275,174,000 |
| Total loans | 152,150,000 | 156,345,000 | 160,208,000 | 164,212,000 |
| Allowance for loan losses | 2,516,000 | 2,562,000 | 2,488,000 | 2,551,000 |
| Securities available for sale | 101,869,000 | 99,817,000 | 104,480,000 | 101,935,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,836,000 | 198,118,000 | 208,234,000 | 200,649,000 |
| Interest-bearing deposits | 171,549,000 | 173,744,000 | 184,056,000 | 177,985,000 |
| Noninterest-bearing deposits | 21,287,000 | 24,374,000 | 24,178,000 | 22,664,000 |
| Equity capital | 26,522,000 | 24,785,000 | 27,102,000 | 26,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,275,000 | 6,708,000 | 10,278,000 | 13,950,000 |
| Interest expense | 977,000 | 1,954,000 | 2,946,000 | 4,092,000 |
| Net interest income | 2,298,000 | 4,754,000 | 7,332,000 | 9,858,000 |
| Noninterest income | 480,000 | 985,000 | 1,434,000 | 1,956,000 |
| Noninterest expense | 1,673,000 | 3,492,000 | 5,229,000 | 7,219,000 |
| Provision for loan losses | 30,000 | 80,000 | 150,000 | 225,000 |
| Pretax income | 1,064,000 | 2,234,000 | 3,456,000 | 4,444,000 |
| Income tax | 7,000 | 9,000 | 15,000 | 23,000 |
| Net income | 1,057,000 | 2,225,000 | 3,441,000 | 4,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,258,000 | 23,801,000 | 24,368,000 | 24,698,000 |
| Total capital | 25,373,000 | 26,001,000 | 26,517,000 | 26,894,000 |
| Risk-weighted assets | 168,827,000 | 175,669,000 | 171,570,000 | 175,317,000 |