Call reports 2005
FIRST NATIONAL BANK OF RIVER FALLS, THE — 2005
What FIRST NATIONAL BANK OF RIVER FALLS, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 278,103,000 | 280,450,000 | 277,785,000 | 277,379,000 |
| Total loans | 169,421,000 | 171,356,000 | 173,109,000 | 175,621,000 |
| Allowance for loan losses | 2,615,000 | 2,677,000 | 2,739,000 | 2,771,000 |
| Securities available for sale | 100,544,000 | 99,149,000 | 93,105,000 | 90,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,349,000 | 211,251,000 | 222,709,000 | 217,238,000 |
| Interest-bearing deposits | 186,294,000 | 187,304,000 | 197,272,000 | 191,661,000 |
| Noninterest-bearing deposits | 22,055,000 | 23,947,000 | 25,437,000 | 25,577,000 |
| Equity capital | 26,667,000 | 27,687,000 | 24,348,000 | 23,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,807,000 | 7,772,000 | 11,853,000 | 15,896,000 |
| Interest expense | 1,230,000 | 2,608,000 | 4,111,000 | 5,726,000 |
| Net interest income | 2,577,000 | 5,164,000 | 7,742,000 | 10,170,000 |
| Noninterest income | 478,000 | 974,000 | 1,418,000 | 1,843,000 |
| Noninterest expense | 1,672,000 | 3,521,000 | 5,327,000 | 7,233,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,323,000 | 2,497,000 | 3,653,000 | 4,516,000 |
| Income tax | 6,000 | 12,000 | 22,000 | 31,000 |
| Net income | 1,317,000 | 2,485,000 | 3,631,000 | 4,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,314,000 | 25,766,000 | 22,713,000 | 22,816,000 |
| Total capital | 27,558,000 | 28,103,000 | 25,057,000 | 25,139,000 |
| Risk-weighted assets | 179,126,000 | 186,582,000 | 187,096,000 | 185,366,000 |