Call reports 2019
FIRST NATIONAL BANK OF RIVER FALLS, THE — 2019
What FIRST NATIONAL BANK OF RIVER FALLS, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 273,593,000 | 275,926,000 | 279,757,000 | 276,881,000 |
| Total loans | 155,520,000 | 154,014,000 | 157,808,000 | 154,949,000 |
| Allowance for loan losses | 2,349,000 | 2,383,000 | 2,392,000 | 2,390,000 |
| Securities available for sale | 89,955,000 | 90,335,000 | 90,247,000 | 93,374,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,382,000 | 229,910,000 | 232,586,000 | 230,415,000 |
| Interest-bearing deposits | 185,426,000 | 181,365,000 | 176,743,000 | 179,837,000 |
| Noninterest-bearing deposits | 43,956,000 | 48,545,000 | 55,843,000 | 50,578,000 |
| Equity capital | 30,167,000 | 32,298,000 | 33,231,000 | 32,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,501,000 | 5,197,000 | 7,812,000 | 10,356,000 |
| Interest expense | 351,000 | 715,000 | 1,077,000 | 1,403,000 |
| Net interest income | 2,150,000 | 4,482,000 | 6,735,000 | 8,953,000 |
| Noninterest income | 458,000 | 959,000 | 1,493,000 | 2,044,000 |
| Noninterest expense | 1,874,000 | 3,696,000 | 5,503,000 | 7,815,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 714,000 | 1,725,000 | 2,716,000 | 3,173,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 711,000 | 1,719,000 | 2,707,000 | 3,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,005,000 | 31,462,000 | 31,900,000 | 31,119,000 |
| Total capital | 33,030,000 | 33,504,000 | 33,983,000 | 33,187,000 |
| Risk-weighted assets | 161,675,000 | 162,983,000 | 166,331,000 | 165,116,000 |
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