Call reports 2016
FIRST NATIONAL BANK OF RIVER FALLS, THE — 2016
What FIRST NATIONAL BANK OF RIVER FALLS, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 275,754,000 | 280,564,000 | 289,647,000 | 284,728,000 |
| Total loans | 159,439,000 | 162,538,000 | 163,541,000 | 160,845,000 |
| Allowance for loan losses | 2,134,000 | 2,148,000 | 2,155,000 | 2,174,000 |
| Securities available for sale | 93,959,000 | 93,317,000 | 95,176,000 | 98,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,012,000 | 231,802,000 | 240,245,000 | 239,212,000 |
| Interest-bearing deposits | 188,434,000 | 190,090,000 | 187,199,000 | 196,456,000 |
| Noninterest-bearing deposits | 38,577,000 | 41,713,000 | 53,046,000 | 42,756,000 |
| Equity capital | 31,829,000 | 32,528,000 | 32,644,000 | 29,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,364,000 | 4,694,000 | 7,050,000 | 9,387,000 |
| Interest expense | 255,000 | 516,000 | 771,000 | 1,019,000 |
| Net interest income | 2,109,000 | 4,178,000 | 6,279,000 | 8,368,000 |
| Noninterest income | 436,000 | 976,000 | 1,473,000 | 1,993,000 |
| Noninterest expense | 1,819,000 | 3,619,000 | 5,359,000 | 7,514,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 726,000 | 1,543,000 | 2,401,000 | 2,855,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 723,000 | 1,537,000 | 2,392,000 | 2,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,285,000 | 30,548,000 | 30,853,000 | 30,504,000 |
| Total capital | 32,328,000 | 32,599,000 | 32,947,000 | 32,612,000 |
| Risk-weighted assets | 163,314,000 | 163,971,000 | 167,496,000 | 168,577,000 |