Call reports 2012
RIVER FALLS STATE BANK — 2012
What RIVER FALLS STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 83,393,000 | 83,369,000 | 82,693,000 | 84,670,000 |
| Total loans | 41,016,000 | 39,825,000 | 39,795,000 | 39,622,000 |
| Allowance for loan losses | 807,000 | 732,000 | 761,000 | 762,000 |
| Securities available for sale | 27,395,000 | 31,030,000 | 25,602,000 | 29,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,054,000 | 69,832,000 | 69,095,000 | 71,160,000 |
| Interest-bearing deposits | 60,552,000 | 60,442,000 | 59,411,000 | 58,659,000 |
| Noninterest-bearing deposits | 9,502,000 | 9,390,000 | 9,684,000 | 12,501,000 |
| Equity capital | 13,207,000 | 13,359,000 | 13,410,000 | 13,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 713,000 | 1,409,000 | 2,096,000 | 2,760,000 |
| Interest expense | 83,000 | 162,000 | 231,000 | 297,000 |
| Net interest income | 630,000 | 1,247,000 | 1,865,000 | 2,463,000 |
| Noninterest income | 163,000 | 313,000 | 497,000 | 779,000 |
| Noninterest expense | 637,000 | 1,231,000 | 1,821,000 | 2,475,000 |
| Provision for loan losses | 8,000 | 23,000 | 28,000 | 28,000 |
| Pretax income | 148,000 | 306,000 | 513,000 | 739,000 |
| Income tax | 4,000 | 6,000 | 9,000 | 11,000 |
| Net income | 144,000 | 300,000 | 504,000 | 728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,904,000 | 12,944,000 | 12,955,000 | 13,020,000 |
| Total capital | 13,467,000 | 13,502,000 | 13,507,000 | 13,572,000 |
| Risk-weighted assets | 44,790,000 | 44,494,000 | 43,989,000 | 43,930,000 |