Call reports 2014
RIVER FALLS STATE BANK — 2014
What RIVER FALLS STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 80,956,000 | 81,723,000 | 80,537,000 | 84,316,000 |
| Total loans | 36,764,000 | 39,518,000 | 40,209,000 | 42,188,000 |
| Allowance for loan losses | 831,000 | 834,000 | 804,000 | 800,000 |
| Securities available for sale | 28,912,000 | 26,026,000 | 25,469,000 | 23,951,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,994,000 | 68,744,000 | 67,618,000 | 71,296,000 |
| Interest-bearing deposits | 56,110,000 | 56,808,000 | 56,144,000 | 55,743,000 |
| Noninterest-bearing deposits | 11,884,000 | 11,936,000 | 11,474,000 | 15,553,000 |
| Equity capital | 12,870,000 | 12,867,000 | 12,793,000 | 12,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 570,000 | 1,156,000 | 1,764,000 | 2,373,000 |
| Interest expense | 36,000 | 72,000 | 105,000 | 138,000 |
| Net interest income | 534,000 | 1,084,000 | 1,659,000 | 2,235,000 |
| Noninterest income | 117,000 | 226,000 | 344,000 | 473,000 |
| Noninterest expense | 588,000 | 1,156,000 | 1,751,000 | 2,315,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 63,000 | 154,000 | 252,000 | 437,000 |
| Income tax | 3,000 | 4,000 | 4,000 | 4,000 |
| Net income | 60,000 | 150,000 | 248,000 | 433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,105,000 | 12,927,000 | 12,908,000 | 13,058,000 |
| Total capital | 13,591,000 | 13,440,000 | 13,426,000 | 13,597,000 |
| Risk-weighted assets | 38,561,000 | 40,709,000 | 41,143,000 | 42,873,000 |