Call reports 2015
FIRST NATIONAL BANK OF RIVER FALLS, THE — 2015
What FIRST NATIONAL BANK OF RIVER FALLS, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 275,319,000 | 269,413,000 | 273,520,000 | 275,610,000 |
| Total loans | 168,101,000 | 166,658,000 | 163,250,000 | 162,138,000 |
| Allowance for loan losses | 2,005,000 | 2,040,000 | 2,098,000 | 2,121,000 |
| Securities available for sale | 86,502,000 | 87,354,000 | 89,402,000 | 88,830,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,769,000 | 216,201,000 | 224,003,000 | 227,952,000 |
| Interest-bearing deposits | 188,353,000 | 179,048,000 | 186,421,000 | 188,120,000 |
| Noninterest-bearing deposits | 36,416,000 | 37,152,000 | 37,582,000 | 39,832,000 |
| Equity capital | 31,413,000 | 31,153,000 | 31,709,000 | 31,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,386,000 | 4,818,000 | 7,216,000 | 9,559,000 |
| Interest expense | 250,000 | 505,000 | 757,000 | 1,007,000 |
| Net interest income | 2,136,000 | 4,313,000 | 6,459,000 | 8,552,000 |
| Noninterest income | 520,000 | 1,039,000 | 1,549,000 | 2,023,000 |
| Noninterest expense | 1,952,000 | 3,817,000 | 5,593,000 | 7,787,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 708,000 | 1,535,000 | 2,415,000 | 2,813,000 |
| Income tax | 0 | 0 | 4,000 | 7,000 |
| Net income | 708,000 | 1,535,000 | 2,411,000 | 2,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,814,000 | 30,091,000 | 30,418,000 | 30,112,000 |
| Total capital | 31,811,000 | 32,131,000 | 32,459,000 | 32,150,000 |
| Risk-weighted assets | 159,520,000 | 164,313,000 | 163,191,000 | 162,977,000 |