Call reports 2021
RIVER FALLS STATE BANK — 2021
What RIVER FALLS STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 122,704,000 | 125,640,000 | 127,393,000 | 126,081,000 |
| Total loans | 73,592,000 | 77,468,000 | 74,775,000 | 75,369,000 |
| Allowance for loan losses | 1,201,000 | 1,203,000 | 1,205,000 | 1,231,000 |
| Securities available for sale | 24,934,000 | 34,078,000 | 33,442,000 | 36,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,992,000 | 106,586,000 | 108,412,000 | 111,490,000 |
| Interest-bearing deposits | 79,944,000 | 79,717,000 | 82,591,000 | 84,998,000 |
| Noninterest-bearing deposits | 26,048,000 | 26,869,000 | 25,821,000 | 26,492,000 |
| Equity capital | 14,494,000 | 14,760,000 | 14,673,000 | 14,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 951,000 | 1,850,000 | 2,742,000 | 3,627,000 |
| Interest expense | 62,000 | 120,000 | 175,000 | 230,000 |
| Net interest income | 889,000 | 1,730,000 | 2,567,000 | 3,397,000 |
| Noninterest income | 347,000 | 581,000 | 806,000 | 1,016,000 |
| Noninterest expense | 656,000 | 1,331,000 | 2,048,000 | 2,784,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 580,000 | 980,000 | 1,325,000 | 1,669,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 8,000 |
| Net income | 578,000 | 976,000 | 1,319,000 | 1,661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,372,000 | 14,547,000 | 14,609,000 | 14,550,000 |