Call reports 2024
RIVER FALLS STATE BANK — 2024
What RIVER FALLS STATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 133,700,000 | 136,182,000 | 137,693,000 | 141,194,000 |
| Total loans | 95,005,000 | 95,887,000 | 99,167,000 | 102,611,000 |
| Allowance for loan losses | 1,292,000 | 1,300,000 | 1,307,000 | 1,313,000 |
| Securities available for sale | 25,368,000 | 24,745,000 | 25,042,000 | 23,703,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,575,000 | 118,860,000 | 119,223,000 | 123,603,000 |
| Interest-bearing deposits | 91,797,000 | 90,720,000 | 91,118,000 | 93,987,000 |
| Noninterest-bearing deposits | 24,778,000 | 28,140,000 | 28,105,000 | 29,616,000 |
| Equity capital | 11,179,000 | 11,401,000 | 12,400,000 | 11,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,325,000 | 2,760,000 | 4,269,000 | 5,840,000 |
| Interest expense | 441,000 | 952,000 | 1,495,000 | 2,079,000 |
| Net interest income | 884,000 | 1,808,000 | 2,774,000 | 3,761,000 |
| Noninterest income | 146,000 | 294,000 | 437,000 | 579,000 |
| Noninterest expense | 803,000 | 1,611,000 | 2,439,000 | 3,233,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 233,000 | 490,000 | 763,000 | 1,066,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 232,000 | 489,000 | 762,000 | 1,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,064,000 | 15,247,000 | 15,280,000 | 15,242,000 |