Call reports 2022
RIVER FALLS STATE BANK — 2022
What RIVER FALLS STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 127,475,000 | 124,411,000 | 124,852,000 | 127,614,000 |
| Total loans | 78,749,000 | 80,808,000 | 84,537,000 | 87,861,000 |
| Allowance for loan losses | 1,233,000 | 1,240,000 | 1,240,000 | 1,256,000 |
| Securities available for sale | 33,270,000 | 30,845,000 | 28,785,000 | 28,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,764,000 | 111,753,000 | 110,743,000 | 117,232,000 |
| Interest-bearing deposits | 90,070,000 | 84,124,000 | 82,614,000 | 88,010,000 |
| Noninterest-bearing deposits | 24,694,000 | 27,629,000 | 28,129,000 | 29,222,000 |
| Equity capital | 12,488,000 | 11,182,000 | 9,789,000 | 10,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 891,000 | 1,828,000 | 2,798,000 | 3,839,000 |
| Interest expense | 56,000 | 113,000 | 180,000 | 307,000 |
| Net interest income | 835,000 | 1,715,000 | 2,618,000 | 3,532,000 |
| Noninterest income | 187,000 | 342,000 | 479,000 | 624,000 |
| Noninterest expense | 729,000 | 1,491,000 | 2,248,000 | 2,987,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 293,000 | 566,000 | 849,000 | 1,123,000 |
| Income tax | 0 | 1,000 | 2,000 | 2,000 |
| Net income | 293,000 | 565,000 | 847,000 | 1,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,843,000 | 14,928,000 | 14,621,000 | 14,628,000 |