Call reports 2025
FIRST NATIONAL BANK OF RIVER FALLS, THE — 2025
What FIRST NATIONAL BANK OF RIVER FALLS, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 321,129,000 | 320,717,000 | 319,138,000 | 317,669,000 |
| Total loans | 168,026,000 | 170,417,000 | 171,795,000 | 167,689,000 |
| Allowance for loan losses | 2,894,000 | 2,889,000 | 2,890,000 | 2,900,000 |
| Securities available for sale | 128,338,000 | 124,081,000 | 123,853,000 | 121,807,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,721,000 | 278,314,000 | 282,739,000 | 279,596,000 |
| Interest-bearing deposits | 224,699,000 | 218,421,000 | 222,341,000 | 220,481,000 |
| Noninterest-bearing deposits | 54,022,000 | 59,893,000 | 60,398,000 | 59,115,000 |
| Equity capital | 18,745,000 | 18,457,000 | 22,472,000 | 22,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,369,000 | 6,731,000 | 10,134,000 | 13,606,000 |
| Interest expense | 1,089,000 | 2,165,000 | 3,200,000 | 4,128,000 |
| Net interest income | 2,280,000 | 4,566,000 | 6,934,000 | 9,478,000 |
| Noninterest income | 435,000 | 891,000 | 1,391,000 | 1,833,000 |
| Noninterest expense | 2,066,000 | 4,012,000 | 5,907,000 | 8,336,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 649,000 | 1,445,000 | 2,418,000 | 2,975,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 6,000 |
| Net income | 648,000 | 1,442,000 | 2,414,000 | 2,969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,375,000 | 32,620,000 | 32,991,000 | 32,596,000 |
| Total capital | 34,911,000 | 35,162,000 | 35,518,000 | 35,101,000 |
| Risk-weighted assets | 202,223,000 | 202,693,000 | 201,459,000 | 199,725,000 |