Call reports 2008
RIVER FALLS STATE BANK — 2008
What RIVER FALLS STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 74,642,000 | 75,140,000 | 73,232,000 | 76,585,000 |
| Total loans | 48,359,000 | 47,588,000 | 47,307,000 | 47,593,000 |
| Allowance for loan losses | 990,000 | 988,000 | 1,004,000 | 1,010,000 |
| Securities available for sale | 7,382,000 | 10,768,000 | 11,711,000 | 11,832,000 |
| Securities held to maturity | 6,597,000 | 4,062,000 | 2,912,000 | 2,001,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,688,000 | 62,181,000 | 60,335,000 | 63,592,000 |
| Interest-bearing deposits | 53,738,000 | 54,389,000 | 52,637,000 | 56,091,000 |
| Noninterest-bearing deposits | 7,950,000 | 7,792,000 | 7,698,000 | 7,501,000 |
| Equity capital | 12,696,000 | 12,644,000 | 12,477,000 | 12,849,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 972,000 | 1,959,000 | 2,926,000 | 3,866,000 |
| Interest expense | 352,000 | 677,000 | 981,000 | 1,260,000 |
| Net interest income | 620,000 | 1,282,000 | 1,945,000 | 2,606,000 |
| Noninterest income | 149,000 | 303,000 | 416,000 | 565,000 |
| Noninterest expense | 585,000 | 1,228,000 | 1,831,000 | 2,399,000 |
| Provision for loan losses | 5,000 | 9,000 | 14,000 | 18,000 |
| Pretax income | 179,000 | 348,000 | 501,000 | 739,000 |
| Income tax | 5,000 | 11,000 | 16,000 | 19,000 |
| Net income | 174,000 | 337,000 | 485,000 | 720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,592,000 | 12,661,000 | 12,541,000 | 12,758,000 |
| Total capital | 13,200,000 | 13,271,000 | 13,148,000 | 13,373,000 |
| Risk-weighted assets | 48,239,000 | 48,459,000 | 48,157,000 | 48,826,000 |