Call reports 2020
RIVER FALLS STATE BANK — 2020
What RIVER FALLS STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 99,403,000 | 110,098,000 | 116,113,000 | 118,203,000 |
| Total loans | 67,248,000 | 69,171,000 | 74,028,000 | 72,346,000 |
| Allowance for loan losses | 967,000 | 1,018,000 | 1,039,000 | 1,200,000 |
| Securities available for sale | 12,278,000 | 15,673,000 | 17,915,000 | 24,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,210,000 | 91,180,000 | 98,222,000 | 101,400,000 |
| Interest-bearing deposits | 64,975,000 | 69,187,000 | 74,439,000 | 77,241,000 |
| Noninterest-bearing deposits | 20,235,000 | 21,993,000 | 23,783,000 | 24,159,000 |
| Equity capital | 14,029,000 | 14,676,000 | 14,873,000 | 14,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 889,000 | 1,890,000 | 2,794,000 | 3,680,000 |
| Interest expense | 79,000 | 162,000 | 239,000 | 311,000 |
| Net interest income | 810,000 | 1,728,000 | 2,555,000 | 3,369,000 |
| Noninterest income | 190,000 | 652,000 | 1,151,000 | 1,687,000 |
| Noninterest expense | 672,000 | 1,337,000 | 2,070,000 | 2,923,000 |
| Provision for loan losses | 15,000 | 65,000 | 80,000 | 240,000 |
| Pretax income | 448,000 | 1,114,000 | 1,692,000 | 2,031,000 |
| Income tax | 3,000 | 6,000 | 8,000 | 10,000 |
| Net income | 445,000 | 1,108,000 | 1,684,000 | 2,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,570,000 | 14,173,000 | 14,397,000 | 13,794,000 |