Call reports 2002
RIVER FALLS STATE BANK — 2002
What RIVER FALLS STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 72,195,000 | 70,010,000 | 72,180,000 | 75,747,000 |
| Total loans | 37,586,000 | 39,408,000 | 39,714,000 | 37,122,000 |
| Allowance for loan losses | 1,080,000 | 1,081,000 | 1,081,000 | 1,086,000 |
| Securities available for sale | 2,456,000 | 3,769,000 | 2,479,000 | 3,802,000 |
| Securities held to maturity | 17,619,000 | 18,262,000 | 18,289,000 | 16,886,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,689,000 | 59,369,000 | 61,138,000 | 64,877,000 |
| Interest-bearing deposits | 54,254,000 | 51,453,000 | 54,159,000 | 57,765,000 |
| Noninterest-bearing deposits | 7,435,000 | 7,916,000 | 6,979,000 | 7,112,000 |
| Equity capital | 10,119,000 | 10,300,000 | 10,590,000 | 10,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,025,000 | 2,059,000 | 3,114,000 | 4,135,000 |
| Interest expense | 403,000 | 763,000 | 1,097,000 | 1,413,000 |
| Net interest income | 622,000 | 1,296,000 | 2,017,000 | 2,722,000 |
| Noninterest income | 97,000 | 173,000 | 314,000 | 477,000 |
| Noninterest expense | 514,000 | 986,000 | 1,499,000 | 2,068,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 204,000 | 479,000 | 825,000 | 1,121,000 |
| Income tax | 72,000 | 124,000 | 208,000 | 375,000 |
| Net income | 132,000 | 355,000 | 617,000 | 746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,105,000 | 10,271,000 | 10,533,000 | 10,522,000 |
| Total capital | 10,613,000 | 10,787,000 | 11,052,000 | 11,031,000 |
| Risk-weighted assets | 40,063,000 | 40,678,000 | 40,967,000 | 40,133,000 |