Call reports 2019
RIVER FALLS STATE BANK — 2019
What RIVER FALLS STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 93,200,000 | 92,686,000 | 93,179,000 | 94,838,000 |
| Total loans | 62,472,000 | 64,339,000 | 65,491,000 | 65,698,000 |
| Allowance for loan losses | 853,000 | 868,000 | 885,000 | 951,000 |
| Securities available for sale | 14,165,000 | 14,025,000 | 13,140,000 | 12,698,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,664,000 | 76,772,000 | 78,641,000 | 81,333,000 |
| Interest-bearing deposits | 62,809,000 | 59,527,000 | 58,849,000 | 61,588,000 |
| Noninterest-bearing deposits | 16,855,000 | 17,245,000 | 19,792,000 | 19,745,000 |
| Equity capital | 13,371,000 | 13,773,000 | 13,836,000 | 13,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 858,000 | 1,743,000 | 2,631,000 | 3,529,000 |
| Interest expense | 55,000 | 121,000 | 189,000 | 269,000 |
| Net interest income | 803,000 | 1,622,000 | 2,442,000 | 3,260,000 |
| Noninterest income | 122,000 | 253,000 | 449,000 | 617,000 |
| Noninterest expense | 673,000 | 1,310,000 | 1,976,000 | 2,678,000 |
| Provision for loan losses | 28,000 | 43,000 | 58,000 | 123,000 |
| Pretax income | 189,000 | 487,000 | 822,000 | 1,041,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 8,000 |
| Net income | 187,000 | 483,000 | 816,000 | 1,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,296,000 | 13,562,000 | 13,583,000 | 13,125,000 |
| Total capital | 14,059,000 | 14,338,000 | 14,350,000 | 13,873,000 |
| Risk-weighted assets | 60,965,000 | 62,007,000 | 61,231,000 | 59,762,000 |