Call reports 2007
RIVER FALLS STATE BANK — 2007
What RIVER FALLS STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 76,460,000 | 75,273,000 | 74,484,000 | 77,370,000 |
| Total loans | 51,076,000 | 50,782,000 | 50,768,000 | 49,101,000 |
| Allowance for loan losses | 1,029,000 | 1,036,000 | 1,041,000 | 1,034,000 |
| Securities available for sale | 3,480,000 | 2,726,000 | 0 | 6,546,000 |
| Securities held to maturity | 10,713,000 | 10,664,000 | 12,667,000 | 9,163,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,046,000 | 62,765,000 | 61,704,000 | 64,702,000 |
| Interest-bearing deposits | 56,682,000 | 54,904,000 | 54,373,000 | 55,929,000 |
| Noninterest-bearing deposits | 7,364,000 | 7,861,000 | 7,331,000 | 8,773,000 |
| Equity capital | 12,162,000 | 12,179,000 | 12,344,000 | 12,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,080,000 | 2,164,000 | 3,231,000 | 4,354,000 |
| Interest expense | 405,000 | 823,000 | 1,219,000 | 1,608,000 |
| Net interest income | 675,000 | 1,341,000 | 2,012,000 | 2,746,000 |
| Noninterest income | 145,000 | 287,000 | 436,000 | 617,000 |
| Noninterest expense | 581,000 | 1,176,000 | 1,766,000 | 2,328,000 |
| Provision for loan losses | 5,000 | 9,000 | 14,000 | 18,000 |
| Pretax income | 234,000 | 443,000 | 668,000 | 1,017,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 13,000 |
| Net income | 231,000 | 436,000 | 658,000 | 1,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,181,000 | 12,200,000 | 12,350,000 | 12,509,000 |
| Total capital | 12,815,000 | 12,840,000 | 12,986,000 | 13,115,000 |
| Risk-weighted assets | 50,311,000 | 50,770,000 | 50,501,000 | 49,382,000 |