Call reports 2001
RIVER FALLS STATE BANK — 2001
What RIVER FALLS STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 68,394,000 | 74,000,000 | 73,498,000 | 73,497,000 |
| Total loans | 42,039,000 | 40,086,000 | 40,058,000 | 38,400,000 |
| Allowance for loan losses | 1,039,000 | 1,075,000 | 1,078,000 | 1,080,000 |
| Securities available for sale | 3,666,000 | 1,674,000 | 1,155,000 | 896,000 |
| Securities held to maturity | 13,052,000 | 16,081,000 | 15,963,000 | 16,375,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,372,000 | 63,806,000 | 63,041,000 | 63,201,000 |
| Interest-bearing deposits | 51,798,000 | 55,899,000 | 55,480,000 | 58,419,000 |
| Noninterest-bearing deposits | 6,574,000 | 7,907,000 | 7,561,000 | 4,782,000 |
| Equity capital | 9,608,000 | 9,744,000 | 9,935,000 | 10,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,210,000 | 2,467,000 | 3,659,000 | 4,801,000 |
| Interest expense | 593,000 | 1,197,000 | 1,723,000 | 2,189,000 |
| Net interest income | 617,000 | 1,270,000 | 1,936,000 | 2,612,000 |
| Noninterest income | 72,000 | 151,000 | 224,000 | 363,000 |
| Noninterest expense | 486,000 | 941,000 | 1,440,000 | 1,899,000 |
| Provision for loan losses | 15,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 188,000 | 474,000 | 712,000 | 1,065,000 |
| Income tax | 21,000 | 131,000 | 179,000 | 299,000 |
| Net income | 167,000 | 343,000 | 533,000 | 766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,596,000 | 9,733,000 | 9,922,000 | 9,992,000 |
| Total capital | 10,107,000 | 10,251,000 | 10,438,000 | 10,507,000 |
| Risk-weighted assets | 40,320,000 | 40,865,000 | 40,710,000 | 40,675,000 |