Call reports 2001
RURAL AMERICAN BANK - HECTOR/FAIRFAX — 2001
What RURAL AMERICAN BANK - HECTOR/FAIRFAX reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 62,053,000 | 62,340,000 | 61,002,000 | 66,192,000 |
| Total loans | 37,468,000 | 39,036,000 | 38,114,000 | 37,451,000 |
| Allowance for loan losses | 369,000 | 376,000 | 400,000 | 400,000 |
| Securities available for sale | 14,217,000 | 12,840,000 | 12,432,000 | 13,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,545,000 | 50,623,000 | 50,312,000 | 54,900,000 |
| Interest-bearing deposits | 43,881,000 | 44,130,000 | 43,560,000 | 45,244,000 |
| Noninterest-bearing deposits | 6,664,000 | 6,493,000 | 6,752,000 | 9,656,000 |
| Equity capital | 9,520,000 | 8,533,000 | 8,766,000 | 8,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,145,000 | 2,235,000 | 3,269,000 | 4,233,000 |
| Interest expense | 544,000 | 1,045,000 | 1,506,000 | 1,907,000 |
| Net interest income | 601,000 | 1,190,000 | 1,763,000 | 2,326,000 |
| Noninterest income | 59,000 | 114,000 | 178,000 | 235,000 |
| Noninterest expense | 395,000 | 783,000 | 1,170,000 | 1,563,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 80,000 |
| Pretax income | 235,000 | 461,000 | 691,000 | 918,000 |
| Income tax | 92,000 | 184,000 | 277,000 | 372,000 |
| Net income | 143,000 | 277,000 | 414,000 | 546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,397,000 | 4,451,000 | 4,634,000 | 4,811,000 |
| Total capital | 5,766,000 | 4,827,000 | 5,034,000 | 5,211,000 |
| Risk-weighted assets | 43,934,000 | 45,046,000 | 43,893,000 | 44,191,000 |