Call reports 2023
FIRST NATIONAL BANK OF RIVER FALLS, THE — 2023
What FIRST NATIONAL BANK OF RIVER FALLS, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 326,903,000 | 312,459,000 | 314,449,000 | 315,459,000 |
| Total loans | 143,256,000 | 144,185,000 | 144,152,000 | 149,496,000 |
| Allowance for loan losses | 2,865,000 | 2,869,000 | 2,874,000 | 2,870,000 |
| Securities available for sale | 151,626,000 | 146,974,000 | 139,927,000 | 141,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,557,000 | 287,861,000 | 291,322,000 | 284,043,000 |
| Interest-bearing deposits | 233,287,000 | 224,182,000 | 221,578,000 | 219,398,000 |
| Noninterest-bearing deposits | 68,270,000 | 63,679,000 | 69,744,000 | 64,645,000 |
| Equity capital | 17,270,000 | 16,291,000 | 13,254,000 | 18,398,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,908,000 | 5,547,000 | 8,233,000 | 11,046,000 |
| Interest expense | 473,000 | 1,061,000 | 1,765,000 | 2,511,000 |
| Net interest income | 2,435,000 | 4,486,000 | 6,468,000 | 8,535,000 |
| Noninterest income | 442,000 | 908,000 | 1,328,000 | 1,759,000 |
| Noninterest expense | 2,052,000 | 3,950,000 | 5,877,000 | 8,155,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 825,000 | 1,468,000 | 1,943,000 | 2,163,000 |
| Income tax | 2,000 | 4,000 | 7,000 | 7,000 |
| Net income | 823,000 | 1,464,000 | 1,936,000 | 2,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,002,000 | 33,093,000 | 33,015,000 | 32,585,000 |
| Total capital | 35,236,000 | 35,332,000 | 35,283,000 | 34,974,000 |
| Risk-weighted assets | 177,769,000 | 178,168,000 | 180,512,000 | 190,335,000 |