Call reports 2025
RIVER FALLS STATE BANK — 2025
What RIVER FALLS STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 136,717,000 | 138,647,000 | 140,522,000 | 137,652,000 |
| Total loans | 100,367,000 | 102,867,000 | 100,421,000 | 104,482,000 |
| Allowance for loan losses | 1,328,000 | 1,338,000 | 1,350,000 | 1,340,000 |
| Securities available for sale | 23,573,000 | 22,783,000 | 22,465,000 | 22,639,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,356,000 | 119,668,000 | 121,083,000 | 122,000,000 |
| Interest-bearing deposits | 90,291,000 | 92,661,000 | 93,495,000 | 93,669,000 |
| Noninterest-bearing deposits | 28,065,000 | 27,007,000 | 27,587,000 | 28,331,000 |
| Equity capital | 12,358,000 | 12,896,000 | 13,282,000 | 13,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,510,000 | 3,093,000 | 4,749,000 | 6,421,000 |
| Interest expense | 546,000 | 1,089,000 | 1,654,000 | 2,197,000 |
| Net interest income | 964,000 | 2,004,000 | 3,095,000 | 4,224,000 |
| Noninterest income | 137,000 | 267,000 | 425,000 | 552,000 |
| Noninterest expense | 839,000 | 1,708,000 | 2,627,000 | 3,561,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 256,000 | 542,000 | 857,000 | 1,164,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 256,000 | 542,000 | 857,000 | 1,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,498,000 | 15,727,000 | 15,813,000 | 15,783,000 |