Call reports 2003
RIVER FALLS STATE BANK — 2003
What RIVER FALLS STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 78,190,000 | 74,782,000 | 72,100,000 | 74,382,000 |
| Total loans | 40,249,000 | 37,845,000 | 38,021,000 | 41,914,000 |
| Allowance for loan losses | 1,086,000 | 1,089,000 | 1,068,000 | 1,045,000 |
| Securities available for sale | 2,919,000 | 3,359,000 | 4,566,000 | 2,177,000 |
| Securities held to maturity | 16,458,000 | 16,592,000 | 14,493,000 | 16,228,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,087,000 | 63,454,000 | 60,562,000 | 63,106,000 |
| Interest-bearing deposits | 59,805,000 | 55,034,000 | 53,294,000 | 55,689,000 |
| Noninterest-bearing deposits | 7,282,000 | 8,420,000 | 7,268,000 | 7,417,000 |
| Equity capital | 10,766,000 | 10,979,000 | 11,154,000 | 11,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 899,000 | 1,801,000 | 2,649,000 | 3,516,000 |
| Interest expense | 287,000 | 552,000 | 785,000 | 1,007,000 |
| Net interest income | 612,000 | 1,249,000 | 1,864,000 | 2,509,000 |
| Noninterest income | 136,000 | 356,000 | 528,000 | 641,000 |
| Noninterest expense | 507,000 | 1,014,000 | 1,557,000 | 2,078,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 22,000 |
| Pretax income | 239,000 | 586,000 | 826,000 | 1,050,000 |
| Income tax | -7,000 | 101,000 | 159,000 | 220,000 |
| Net income | 246,000 | 485,000 | 667,000 | 830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,721,000 | 10,944,000 | 11,127,000 | 11,117,000 |
| Total capital | 11,280,000 | 11,481,000 | 11,659,000 | 11,685,000 |
| Risk-weighted assets | 44,175,000 | 42,384,000 | 41,995,000 | 44,962,000 |