Call reports 2013
RIVER FALLS STATE BANK — 2013
What RIVER FALLS STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 82,998,000 | 82,351,000 | 81,125,000 | 80,975,000 |
| Total loans | 39,228,000 | 38,963,000 | 38,771,000 | 38,566,000 |
| Allowance for loan losses | 775,000 | 801,000 | 803,000 | 830,000 |
| Securities available for sale | 27,098,000 | 28,550,000 | 29,595,000 | 26,468,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,473,000 | 69,437,000 | 68,176,000 | 68,221,000 |
| Interest-bearing deposits | 58,304,000 | 58,102,000 | 56,889,000 | 56,898,000 |
| Noninterest-bearing deposits | 11,169,000 | 11,335,000 | 11,287,000 | 11,323,000 |
| Equity capital | 13,411,000 | 12,788,000 | 12,799,000 | 12,681,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 643,000 | 1,276,000 | 1,931,000 | 2,519,000 |
| Interest expense | 57,000 | 107,000 | 151,000 | 191,000 |
| Net interest income | 586,000 | 1,169,000 | 1,780,000 | 2,328,000 |
| Noninterest income | 129,000 | 258,000 | 331,000 | 495,000 |
| Noninterest expense | 576,000 | 1,147,000 | 1,716,000 | 2,310,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 134,000 | 275,000 | 390,000 | 508,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 132,000 | 273,000 | 388,000 | 506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,072,000 | 13,075,000 | 13,038,000 | 13,045,000 |
| Total capital | 13,614,000 | 13,608,000 | 13,569,000 | 13,565,000 |
| Risk-weighted assets | 43,129,000 | 42,341,000 | 42,209,000 | 41,310,000 |