Call reports 2017
RIVER FALLS STATE BANK — 2017
What RIVER FALLS STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 85,726,000 | 86,479,000 | 86,093,000 | 87,447,000 |
| Total loans | 51,850,000 | 53,023,000 | 54,984,000 | 55,532,000 |
| Allowance for loan losses | 809,000 | 831,000 | 831,000 | 832,000 |
| Securities available for sale | 15,556,000 | 14,617,000 | 14,126,000 | 12,557,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,546,000 | 73,179,000 | 72,793,000 | 74,441,000 |
| Interest-bearing deposits | 59,248,000 | 59,606,000 | 58,133,000 | 59,270,000 |
| Noninterest-bearing deposits | 13,298,000 | 13,573,000 | 14,660,000 | 15,172,000 |
| Equity capital | 13,058,000 | 13,159,000 | 13,127,000 | 12,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 666,000 | 1,369,000 | 2,074,000 | 2,787,000 |
| Interest expense | 29,000 | 78,000 | 116,000 | 159,000 |
| Net interest income | 637,000 | 1,291,000 | 1,958,000 | 2,628,000 |
| Noninterest income | 118,000 | 261,000 | 380,000 | 509,000 |
| Noninterest expense | 570,000 | 1,183,000 | 1,762,000 | 2,392,000 |
| Provision for loan losses | 0 | 1,000 | 1,000 | 1,000 |
| Pretax income | 185,000 | 368,000 | 575,000 | 744,000 |
| Income tax | 3,000 | 6,000 | 8,000 | 11,000 |
| Net income | 182,000 | 362,000 | 567,000 | 733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,243,000 | 13,284,000 | 13,244,000 | 13,098,000 |
| Total capital | 13,856,000 | 13,930,000 | 13,883,000 | 13,789,000 |
| Risk-weighted assets | 48,838,000 | 51,534,000 | 50,947,000 | 55,112,000 |