Call reports 2023
RIVER FALLS STATE BANK — 2023
What RIVER FALLS STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 126,635,000 | 130,053,000 | 130,672,000 | 135,195,000 |
| Total loans | 88,394,000 | 93,482,000 | 95,136,000 | 95,403,000 |
| Allowance for loan losses | 1,265,000 | 1,273,000 | 1,280,000 | 1,285,000 |
| Securities available for sale | 28,377,000 | 27,040,000 | 25,306,000 | 26,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,492,000 | 110,318,000 | 114,769,000 | 118,124,000 |
| Interest-bearing deposits | 85,959,000 | 83,163,000 | 87,431,000 | 89,667,000 |
| Noninterest-bearing deposits | 25,533,000 | 27,155,000 | 27,338,000 | 28,457,000 |
| Equity capital | 10,703,000 | 10,674,000 | 9,697,000 | 11,175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,055,000 | 2,177,000 | 3,402,000 | 4,736,000 |
| Interest expense | 194,000 | 461,000 | 807,000 | 1,203,000 |
| Net interest income | 861,000 | 1,716,000 | 2,595,000 | 3,533,000 |
| Noninterest income | 139,000 | 280,000 | 430,000 | 576,000 |
| Noninterest expense | 761,000 | 1,533,000 | 2,305,000 | 3,065,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 245,000 | 462,000 | 708,000 | 1,025,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 3,000 |
| Net income | 244,000 | 461,000 | 706,000 | 1,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,754,000 | 14,827,000 | 14,871,000 | 14,833,000 |