Call reports 2010
FIRST NATIONAL BANK OF RIVER FALLS, THE — 2010
What FIRST NATIONAL BANK OF RIVER FALLS, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 287,588,000 | 283,654,000 | 291,335,000 | 283,353,000 |
| Total loans | 187,167,000 | 183,265,000 | 178,268,000 | 174,957,000 |
| Allowance for loan losses | 3,241,000 | 3,214,000 | 3,458,000 | 3,821,000 |
| Securities available for sale | 84,148,000 | 79,788,000 | 76,234,000 | 75,158,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,610,000 | 230,023,000 | 234,990,000 | 230,587,000 |
| Interest-bearing deposits | 213,902,000 | 210,212,000 | 210,711,000 | 205,107,000 |
| Noninterest-bearing deposits | 20,708,000 | 19,811,000 | 24,279,000 | 25,480,000 |
| Equity capital | 26,375,000 | 27,245,000 | 28,134,000 | 27,306,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,552,000 | 7,014,000 | 10,291,000 | 13,535,000 |
| Interest expense | 1,064,000 | 2,008,000 | 2,899,000 | 3,661,000 |
| Net interest income | 2,488,000 | 5,006,000 | 7,392,000 | 9,874,000 |
| Noninterest income | 556,000 | 1,225,000 | 1,957,000 | 2,643,000 |
| Noninterest expense | 2,298,000 | 4,214,000 | 6,297,000 | 8,535,000 |
| Provision for loan losses | 225,000 | 775,000 | 1,050,000 | 1,400,000 |
| Pretax income | 527,000 | 958,000 | 1,722,000 | 2,282,000 |
| Income tax | 4,000 | 7,000 | 12,000 | 19,000 |
| Net income | 523,000 | 951,000 | 1,710,000 | 2,263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,898,000 | 24,976,000 | 25,335,000 | 25,438,000 |
| Total capital | 27,150,000 | 27,234,000 | 27,520,000 | 27,596,000 |
| Risk-weighted assets | 179,333,000 | 180,217,000 | 173,943,000 | 170,777,000 |