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Statement of Condition

FIRST NATIONAL BANCORP OF RIVER FALLS, INC. AND SUBSIDIARY
STATEMENT OF FINANCIAL CONDITION

(in thousands, except ratio data)  
Assets 12/31/13 12/31/12 12/31/11
Cash and Due from Banks $5,323 $7,091 $6,364
Investment Securities 91,904 82,154 87,870
Loans, Gross 165,855 164,299 160,775
Allowance for Loan Losses (3,243) (3,235) (3,203)
Other Assets 11,164 12,132 13,070
   Total Assets $271,003 $262,441 $264,876
Liabilities
Demand Deposit $95,260 $95,463 $81,948
Savings 19,377 17,576 13,856
Money Market 59,201 54,032 55,856
Time Deposits 43,518 51,920 60,965
Brokered Deposits 0 0 3,944
   Total Deposits $217,356 $218,991 $216,569
Repurchase Agreements 4,527 4,025 4,074
Borrowings 19,477 7,868 14,387
Other Liabilities 444 598 602
   Total Liabilities $241,804 $231,482 $235,632
Equity Capital
Retained Earnings $29,255 $28,506 $26,819
Mark-to-Market Adjustment (56) 2,453 2,425
   Total Equity Capital $29,199 $30,959 $29,244
   Total Liabilities & Capital $271,003 $262,441 $264,876
 
Return on Average Assets 1.17% 1.32% 1.06%
Return on Average Equity 10.26% 11.37% 10.16%
 
Loans to Deposits 76% 75% 74%
Allowance for Loan Loss to Gross Loans 1.96% 1.97% 1.99%
Capital to Assets 10.77% 11.80% 11.04%