The First National Bank of River Falls, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Chartered on January 4, 1904, The First National Bank of River Falls was the vision of a group of men who were promoting the settlement and economic development of the Upper Midwest. The goal of these men, who were bankers from the Twin Cities and other towns in western Wisconsin, was to rebuild and expand the economy of an area that was recoiling from the end of the era in which wheat and lumber had fueled its prosperity.

The banks continue to be locally owned and operated, directed by a board that consists of River Falls and Prescott business and civic leaders, and the bank focus on serving the needs of local communities.

River Falls
104 East Locust Street
River Falls, WI 54022
(Across from Family Fresh on Main St.)
715.425.2401
Fax: 715.425.9018

Prescott
1151 North Canton Street
(Just off US Highway 10)
Prescott, WI 54021
715.262.5000
Fax: 715.262.4036

University of Wisconsin - River Falls
500 East Wild Rose Ave.
(Main Floor in University Center)
River Falls, WI 54022
715.426.1856
Fax: 715.426.2095