Call reports 2009
FIRST NATIONAL BANK OF RIVER FALLS, THE — 2009
What FIRST NATIONAL BANK OF RIVER FALLS, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 286,916,000 | 284,950,000 | 286,451,000 | 283,406,000 |
| Total loans | 199,200,000 | 195,882,000 | 195,405,000 | 189,479,000 |
| Allowance for loan losses | 3,511,000 | 3,567,000 | 3,737,000 | 3,623,000 |
| Securities available for sale | 73,591,000 | 77,778,000 | 78,106,000 | 78,971,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,791,000 | 227,783,000 | 231,079,000 | 230,553,000 |
| Interest-bearing deposits | 208,886,000 | 205,799,000 | 207,488,000 | 210,078,000 |
| Noninterest-bearing deposits | 20,905,000 | 21,984,000 | 23,591,000 | 20,475,000 |
| Equity capital | 25,553,000 | 24,517,000 | 25,995,000 | 25,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,026,000 | 7,936,000 | 11,765,000 | 15,406,000 |
| Interest expense | 1,497,000 | 2,919,000 | 4,233,000 | 5,428,000 |
| Net interest income | 2,529,000 | 5,017,000 | 7,532,000 | 9,978,000 |
| Noninterest income | 565,000 | 1,195,000 | 1,710,000 | 2,239,000 |
| Noninterest expense | 1,820,000 | 3,936,000 | 6,000,000 | 7,919,000 |
| Provision for loan losses | 750,000 | 1,435,000 | 1,845,000 | 2,795,000 |
| Pretax income | 524,000 | 841,000 | 1,397,000 | 1,603,000 |
| Income tax | 9,000 | 12,000 | 16,000 | 19,000 |
| Net income | 515,000 | 829,000 | 1,381,000 | 1,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,806,000 | 24,469,000 | 24,472,000 | 24,675,000 |
| Total capital | 27,400,000 | 26,932,000 | 27,003,000 | 27,150,000 |
| Risk-weighted assets | 206,464,000 | 200,648,000 | 200,505,000 | 196,264,000 |