Call reports 2012
FIRST NATIONAL BANK OF RIVER FALLS, THE — 2012
What FIRST NATIONAL BANK OF RIVER FALLS, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 262,224,000 | 258,173,000 | 262,991,000 | 262,441,000 |
| Total loans | 158,178,000 | 160,104,000 | 167,298,000 | 164,299,000 |
| Allowance for loan losses | 3,188,000 | 3,236,000 | 3,227,000 | 3,235,000 |
| Securities available for sale | 69,075,000 | 68,819,000 | 72,001,000 | 75,238,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,085,000 | 213,581,000 | 220,118,000 | 219,114,000 |
| Interest-bearing deposits | 188,656,000 | 183,585,000 | 189,434,000 | 183,464,000 |
| Noninterest-bearing deposits | 26,429,000 | 29,996,000 | 30,684,000 | 35,650,000 |
| Equity capital | 29,781,000 | 30,168,000 | 30,515,000 | 30,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,744,000 | 5,396,000 | 8,135,000 | 10,888,000 |
| Interest expense | 420,000 | 801,000 | 1,113,000 | 1,409,000 |
| Net interest income | 2,324,000 | 4,595,000 | 7,022,000 | 9,479,000 |
| Noninterest income | 692,000 | 1,377,000 | 2,068,000 | 2,838,000 |
| Noninterest expense | 1,934,000 | 3,980,000 | 6,278,000 | 8,640,000 |
| Provision for loan losses | 50,000 | 185,000 | 185,000 | 185,000 |
| Pretax income | 1,038,000 | 1,798,000 | 2,596,000 | 3,462,000 |
| Income tax | -6,000 | -1,000 | 4,000 | 8,000 |
| Net income | 1,044,000 | 1,799,000 | 2,592,000 | 3,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,348,000 | 27,603,000 | 27,871,000 | 28,383,000 |
| Total capital | 29,313,000 | 29,572,000 | 29,870,000 | 30,356,000 |
| Risk-weighted assets | 155,886,000 | 155,979,000 | 158,119,000 | 156,084,000 |