Call reports 2011
FIRST NATIONAL BANK OF RIVER FALLS, THE — 2011
What FIRST NATIONAL BANK OF RIVER FALLS, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 273,435,000 | 259,520,000 | 268,622,000 | 264,875,000 |
| Total loans | 168,512,000 | 164,161,000 | 160,304,000 | 160,415,000 |
| Allowance for loan losses | 4,122,000 | 4,034,000 | 3,434,000 | 3,203,000 |
| Securities available for sale | 74,686,000 | 73,385,000 | 69,244,000 | 62,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,973,000 | 211,493,000 | 220,687,000 | 217,034,000 |
| Interest-bearing deposits | 199,004,000 | 187,773,000 | 192,864,000 | 189,151,000 |
| Noninterest-bearing deposits | 23,968,000 | 23,720,000 | 27,824,000 | 27,883,000 |
| Equity capital | 27,670,000 | 28,141,000 | 28,996,000 | 28,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,080,000 | 6,218,000 | 9,201,000 | 12,034,000 |
| Interest expense | 594,000 | 1,113,000 | 1,600,000 | 2,053,000 |
| Net interest income | 2,486,000 | 5,105,000 | 7,601,000 | 9,981,000 |
| Noninterest income | 556,000 | 1,182,000 | 1,806,000 | 2,410,000 |
| Noninterest expense | 2,127,000 | 4,667,000 | 6,806,000 | 8,874,000 |
| Provision for loan losses | 300,000 | 300,000 | 320,000 | 625,000 |
| Pretax income | 624,000 | 1,319,000 | 2,273,000 | 2,894,000 |
| Income tax | 6,000 | 12,000 | 20,000 | 28,000 |
| Net income | 618,000 | 1,307,000 | 2,253,000 | 2,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,657,000 | 25,845,000 | 26,291,000 | 26,353,000 |
| Total capital | 27,759,000 | 27,858,000 | 28,282,000 | 28,338,000 |
| Risk-weighted assets | 166,256,000 | 159,165,000 | 157,937,000 | 157,693,000 |