Call reports 2006
FIRST NATIONAL BANK OF RIVER FALLS, THE — 2006
What FIRST NATIONAL BANK OF RIVER FALLS, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 276,714,000 | 272,306,000 | 283,628,000 | 270,214,000 |
| Total loans | 176,874,000 | 173,139,000 | 174,922,000 | 172,370,000 |
| Allowance for loan losses | 2,835,000 | 2,883,000 | 2,899,000 | 2,911,000 |
| Securities available for sale | 89,167,000 | 87,110,000 | 89,625,000 | 86,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,642,000 | 215,016,000 | 230,604,000 | 210,033,000 |
| Interest-bearing deposits | 193,165,000 | 190,237,000 | 207,137,000 | 185,257,000 |
| Noninterest-bearing deposits | 23,477,000 | 24,779,000 | 23,467,000 | 24,776,000 |
| Equity capital | 23,789,000 | 23,107,000 | 25,040,000 | 25,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,165,000 | 8,404,000 | 12,859,000 | 17,166,000 |
| Interest expense | 1,694,000 | 3,538,000 | 5,521,000 | 7,497,000 |
| Net interest income | 2,471,000 | 4,866,000 | 7,338,000 | 9,669,000 |
| Noninterest income | 428,000 | 821,000 | 1,233,000 | 1,677,000 |
| Noninterest expense | 1,729,000 | 3,532,000 | 5,180,000 | 7,000,000 |
| Provision for loan losses | 63,000 | 110,000 | 125,000 | 140,000 |
| Pretax income | 1,118,000 | 2,056,000 | 3,277,000 | 4,217,000 |
| Income tax | 9,000 | 17,000 | 26,000 | 40,000 |
| Net income | 1,109,000 | 2,039,000 | 3,251,000 | 4,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,176,000 | 23,355,000 | 23,817,000 | 23,944,000 |
| Total capital | 25,508,000 | 25,648,000 | 26,148,000 | 26,230,000 |
| Risk-weighted assets | 186,073,000 | 182,833,000 | 185,947,000 | 182,243,000 |