Call reports 2007
FIRST NATIONAL BANK OF RIVER FALLS, THE — 2007
What FIRST NATIONAL BANK OF RIVER FALLS, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 269,107,000 | 268,654,000 | 281,935,000 | 266,811,000 |
| Total loans | 172,787,000 | 170,523,000 | 172,893,000 | 173,288,000 |
| Allowance for loan losses | 2,937,000 | 2,958,000 | 2,942,000 | 2,869,000 |
| Securities available for sale | 86,586,000 | 83,124,000 | 81,955,000 | 79,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,281,000 | 205,479,000 | 215,729,000 | 196,241,000 |
| Interest-bearing deposits | 190,989,000 | 180,941,000 | 192,361,000 | 173,005,000 |
| Noninterest-bearing deposits | 22,292,000 | 24,538,000 | 23,368,000 | 23,236,000 |
| Equity capital | 25,540,000 | 24,511,000 | 25,267,000 | 25,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,300,000 | 8,593,000 | 13,024,000 | 17,287,000 |
| Interest expense | 2,004,000 | 3,990,000 | 6,066,000 | 8,019,000 |
| Net interest income | 2,296,000 | 4,603,000 | 6,958,000 | 9,268,000 |
| Noninterest income | 452,000 | 951,000 | 1,377,000 | 1,833,000 |
| Noninterest expense | 1,716,000 | 3,561,000 | 5,309,000 | 7,152,000 |
| Provision for loan losses | 30,000 | 50,000 | 65,000 | 80,000 |
| Pretax income | 1,002,000 | 1,943,000 | 2,965,000 | 3,873,000 |
| Income tax | 10,000 | 21,000 | 33,000 | 45,000 |
| Net income | 992,000 | 1,922,000 | 2,932,000 | 3,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,136,000 | 24,266,000 | 24,475,000 | 24,572,000 |
| Total capital | 26,398,000 | 26,635,000 | 26,887,000 | 26,951,000 |
| Risk-weighted assets | 180,324,000 | 188,904,000 | 192,442,000 | 189,828,000 |