Call reports 2016
RIVER FALLS STATE BANK — 2016
What RIVER FALLS STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 85,787,000 | 84,477,000 | 84,904,000 | 85,375,000 |
| Total loans | 43,995,000 | 46,981,000 | 50,213,000 | 51,299,000 |
| Allowance for loan losses | 805,000 | 810,000 | 813,000 | 805,000 |
| Securities available for sale | 24,197,000 | 16,704,000 | 17,676,000 | 16,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,421,000 | 71,033,000 | 71,477,000 | 72,407,000 |
| Interest-bearing deposits | 58,796,000 | 57,327,000 | 55,926,000 | 57,532,000 |
| Noninterest-bearing deposits | 13,625,000 | 13,706,000 | 15,551,000 | 14,875,000 |
| Equity capital | 13,264,000 | 13,309,000 | 13,273,000 | 12,884,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 623,000 | 1,257,000 | 1,916,000 | 2,566,000 |
| Interest expense | 29,000 | 62,000 | 90,000 | 120,000 |
| Net interest income | 594,000 | 1,195,000 | 1,826,000 | 2,446,000 |
| Noninterest income | 117,000 | 238,000 | 385,000 | 518,000 |
| Noninterest expense | 555,000 | 1,146,000 | 1,709,000 | 2,306,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 156,000 | 287,000 | 502,000 | 658,000 |
| Income tax | 2,000 | 4,000 | 5,000 | 7,000 |
| Net income | 154,000 | 283,000 | 497,000 | 651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,204,000 | 13,243,000 | 13,238,000 | 13,088,000 |
| Total capital | 13,723,000 | 13,791,000 | 13,811,000 | 13,671,000 |
| Risk-weighted assets | 41,250,000 | 43,578,000 | 45,624,000 | 46,451,000 |