Call reports 2004
RIVER FALLS STATE BANK — 2004
What RIVER FALLS STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 74,075,000 | 73,950,000 | 76,001,000 | 75,462,000 |
| Total loans | 44,493,000 | 47,766,000 | 48,851,000 | 48,683,000 |
| Allowance for loan losses | 1,054,000 | 1,046,000 | 1,116,000 | 1,112,000 |
| Securities available for sale | 2,365,000 | 1,132,000 | 640,000 | 635,000 |
| Securities held to maturity | 14,011,000 | 13,907,000 | 12,564,000 | 11,829,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,498,000 | 62,297,000 | 64,054,000 | 63,710,000 |
| Interest-bearing deposits | 54,848,000 | 54,615,000 | 57,015,000 | 56,266,000 |
| Noninterest-bearing deposits | 7,650,000 | 7,682,000 | 7,039,000 | 7,444,000 |
| Equity capital | 11,289,000 | 11,353,000 | 11,575,000 | 11,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 873,000 | 1,742,000 | 2,631,000 | 3,539,000 |
| Interest expense | 212,000 | 421,000 | 634,000 | 863,000 |
| Net interest income | 661,000 | 1,321,000 | 1,997,000 | 2,676,000 |
| Noninterest income | 137,000 | 267,000 | 393,000 | 496,000 |
| Noninterest expense | 527,000 | 1,086,000 | 1,615,000 | 2,155,000 |
| Provision for loan losses | 8,000 | 15,000 | 10,000 | 10,000 |
| Pretax income | 263,000 | 487,000 | 765,000 | 1,007,000 |
| Income tax | 103,000 | 208,000 | 265,000 | 279,000 |
| Net income | 160,000 | 279,000 | 500,000 | 728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,276,000 | 11,345,000 | 11,565,000 | 11,618,000 |
| Total capital | 11,866,000 | 11,956,000 | 12,184,000 | 12,237,000 |
| Risk-weighted assets | 46,731,000 | 48,432,000 | 49,068,000 | 48,989,000 |