Call reports 2006
RIVER FALLS STATE BANK — 2006
What RIVER FALLS STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 76,533,000 | 77,377,000 | 74,748,000 | 78,050,000 |
| Total loans | 48,437,000 | 49,307,000 | 49,958,000 | 50,334,000 |
| Allowance for loan losses | 1,036,000 | 1,047,000 | 1,042,000 | 1,044,000 |
| Securities available for sale | 2,209,000 | 2,934,000 | 3,471,000 | 3,475,000 |
| Securities held to maturity | 13,048,000 | 12,952,000 | 12,197,000 | 11,323,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,586,000 | 65,348,000 | 62,412,000 | 65,852,000 |
| Interest-bearing deposits | 56,822,000 | 57,256,000 | 55,075,000 | 57,266,000 |
| Noninterest-bearing deposits | 7,764,000 | 8,092,000 | 7,337,000 | 8,586,000 |
| Equity capital | 11,741,000 | 11,754,000 | 11,943,000 | 12,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 986,000 | 2,008,000 | 3,044,000 | 4,094,000 |
| Interest expense | 310,000 | 650,000 | 1,006,000 | 1,385,000 |
| Net interest income | 676,000 | 1,358,000 | 2,038,000 | 2,709,000 |
| Noninterest income | 109,000 | 224,000 | 364,000 | 524,000 |
| Noninterest expense | 558,000 | 1,174,000 | 1,724,000 | 2,278,000 |
| Provision for loan losses | 4,000 | 9,000 | 13,000 | 18,000 |
| Pretax income | 223,000 | 399,000 | 665,000 | 937,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 15,000 |
| Net income | 218,000 | 389,000 | 650,000 | 922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,760,000 | 11,804,000 | 11,974,000 | 12,041,000 |
| Total capital | 12,375,000 | 12,425,000 | 12,589,000 | 12,673,000 |
| Risk-weighted assets | 48,813,000 | 49,229,000 | 48,758,000 | 50,130,000 |