Call reports 2020
FIRST NATIONAL BANK OF RIVER FALLS, THE — 2020
What FIRST NATIONAL BANK OF RIVER FALLS, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 286,220,000 | 321,319,000 | 327,065,000 | 317,983,000 |
| Total loans | 152,859,000 | 165,847,000 | 162,426,000 | 159,269,000 |
| Allowance for loan losses | 2,395,000 | 2,551,000 | 2,655,000 | 2,818,000 |
| Securities available for sale | 99,865,000 | 116,473,000 | 126,740,000 | 130,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,355,000 | 263,647,000 | 272,868,000 | 269,022,000 |
| Interest-bearing deposits | 189,828,000 | 195,747,000 | 199,558,000 | 201,715,000 |
| Noninterest-bearing deposits | 54,527,000 | 67,900,000 | 73,309,000 | 67,306,000 |
| Equity capital | 30,581,000 | 35,670,000 | 36,876,000 | 36,077,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,542,000 | 5,276,000 | 7,754,000 | 10,182,000 |
| Interest expense | 327,000 | 556,000 | 762,000 | 1,129,000 |
| Net interest income | 2,215,000 | 4,720,000 | 6,992,000 | 9,053,000 |
| Noninterest income | 716,000 | 1,324,000 | 2,191,000 | 3,128,000 |
| Noninterest expense | 1,938,000 | 3,821,000 | 5,671,000 | 8,263,000 |
| Provision for loan losses | 0 | 150,000 | 250,000 | 400,000 |
| Pretax income | 993,000 | 2,073,000 | 3,262,000 | 3,518,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 9,000 |
| Net income | 991,000 | 2,068,000 | 3,255,000 | 3,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,410,000 | 32,087,000 | 32,874,000 | 31,928,000 |
| Total capital | 33,465,000 | 34,158,000 | 34,926,000 | 33,971,000 |
| Risk-weighted assets | 164,040,000 | 165,175,000 | 163,563,000 | 162,667,000 |