Call reports 2011
RIVER FALLS STATE BANK — 2011
What RIVER FALLS STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 82,429,000 | 82,791,000 | 80,497,000 | 81,873,000 |
| Total loans | 40,579,000 | 39,991,000 | 40,064,000 | 40,852,000 |
| Allowance for loan losses | 774,000 | 792,000 | 795,000 | 797,000 |
| Securities available for sale | 31,726,000 | 30,651,000 | 25,536,000 | 27,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,640,000 | 69,410,000 | 66,976,000 | 68,439,000 |
| Interest-bearing deposits | 60,634,000 | 60,467,000 | 57,890,000 | 58,915,000 |
| Noninterest-bearing deposits | 9,006,000 | 8,943,000 | 9,086,000 | 9,524,000 |
| Equity capital | 12,632,000 | 13,191,000 | 13,284,000 | 13,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 771,000 | 1,523,000 | 2,295,000 | 3,043,000 |
| Interest expense | 124,000 | 236,000 | 335,000 | 420,000 |
| Net interest income | 647,000 | 1,287,000 | 1,960,000 | 2,623,000 |
| Noninterest income | 124,000 | 256,000 | 387,000 | 560,000 |
| Noninterest expense | 632,000 | 1,230,000 | 1,869,000 | 2,416,000 |
| Provision for loan losses | 15,000 | 30,000 | 38,000 | 43,000 |
| Pretax income | 124,000 | 283,000 | 440,000 | 724,000 |
| Income tax | 5,000 | 10,000 | 14,000 | 19,000 |
| Net income | 119,000 | 273,000 | 426,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,914,000 | 12,969,000 | 12,928,000 | 12,979,000 |
| Total capital | 13,476,000 | 13,528,000 | 13,479,000 | 13,540,000 |
| Risk-weighted assets | 44,774,000 | 44,459,000 | 43,863,000 | 44,633,000 |