Call reports 2008
FIRST NATIONAL BANK OF RIVER FALLS, THE — 2008
What FIRST NATIONAL BANK OF RIVER FALLS, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 268,613,000 | 271,736,000 | 292,030,000 | 283,151,000 |
| Total loans | 179,680,000 | 189,263,000 | 196,065,000 | 201,669,000 |
| Allowance for loan losses | 2,887,000 | 2,906,000 | 2,901,000 | 2,787,000 |
| Securities available for sale | 75,979,000 | 71,574,000 | 73,094,000 | 72,707,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,413,000 | 206,430,000 | 228,526,000 | 216,516,000 |
| Interest-bearing deposits | 181,816,000 | 183,613,000 | 206,272,000 | 193,005,000 |
| Noninterest-bearing deposits | 21,597,000 | 22,817,000 | 22,254,000 | 23,511,000 |
| Equity capital | 26,949,000 | 25,395,000 | 25,060,000 | 25,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,234,000 | 8,392,000 | 12,606,000 | 16,744,000 |
| Interest expense | 1,870,000 | 3,515,000 | 5,200,000 | 6,778,000 |
| Net interest income | 2,364,000 | 4,877,000 | 7,406,000 | 9,966,000 |
| Noninterest income | 471,000 | 1,041,000 | 1,361,000 | 1,827,000 |
| Noninterest expense | 1,854,000 | 3,856,000 | 5,709,000 | 7,746,000 |
| Provision for loan losses | 19,000 | 38,000 | 56,000 | 425,000 |
| Pretax income | 994,000 | 2,057,000 | 3,040,000 | 3,660,000 |
| Income tax | 12,000 | 22,000 | 34,000 | 41,000 |
| Net income | 982,000 | 2,035,000 | 3,006,000 | 3,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,754,000 | 25,007,000 | 25,178,000 | 24,991,000 |
| Total capital | 27,194,000 | 27,531,000 | 27,783,000 | 27,620,000 |
| Risk-weighted assets | 194,491,000 | 201,313,000 | 208,130,000 | 210,176,000 |
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