Call reports 2014
FIRST NATIONAL BANK OF RIVER FALLS, THE — 2014
What FIRST NATIONAL BANK OF RIVER FALLS, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 266,473,000 | 273,610,000 | 271,240,000 | 271,735,000 |
| Total loans | 164,492,000 | 168,382,000 | 167,295,000 | 169,565,000 |
| Allowance for loan losses | 3,005,000 | 3,015,000 | 2,562,000 | 2,042,000 |
| Securities available for sale | 85,741,000 | 85,171,000 | 85,781,000 | 82,267,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,896,000 | 219,377,000 | 220,653,000 | 222,558,000 |
| Interest-bearing deposits | 184,195,000 | 186,300,000 | 187,178,000 | 184,933,000 |
| Noninterest-bearing deposits | 32,701,000 | 33,076,000 | 33,474,000 | 37,626,000 |
| Equity capital | 29,601,000 | 30,534,000 | 30,921,000 | 31,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,393,000 | 4,798,000 | 7,215,000 | 9,664,000 |
| Interest expense | 264,000 | 536,000 | 801,000 | 1,061,000 |
| Net interest income | 2,129,000 | 4,262,000 | 6,414,000 | 8,603,000 |
| Noninterest income | 487,000 | 1,019,000 | 1,537,000 | 1,997,000 |
| Noninterest expense | 1,932,000 | 3,798,000 | 5,640,000 | 7,852,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 691,000 | 1,490,000 | 2,318,000 | 2,759,000 |
| Income tax | 5,000 | 8,000 | 10,000 | 10,000 |
| Net income | 686,000 | 1,482,000 | 2,308,000 | 2,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,242,000 | 29,488,000 | 29,765,000 | 29,656,000 |
| Total capital | 31,183,000 | 31,469,000 | 31,731,000 | 31,617,000 |
| Risk-weighted assets | 154,225,000 | 157,446,000 | 156,663,000 | 156,836,000 |
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