Call reports 2003
RURAL AMERICAN BANK - HECTOR/FAIRFAX — 2003
What RURAL AMERICAN BANK - HECTOR/FAIRFAX reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 61,098,000 | 61,302,000 | 61,470,000 | 65,142,000 |
| Total loans | 30,676,000 | 32,695,000 | 32,839,000 | 33,174,000 |
| Allowance for loan losses | 397,000 | 397,000 | 399,000 | 398,000 |
| Securities available for sale | 18,232,000 | 14,669,000 | 16,418,000 | 15,095,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,294,000 | 51,256,000 | 51,178,000 | 52,638,000 |
| Interest-bearing deposits | 41,989,000 | 42,339,000 | 40,875,000 | 40,778,000 |
| Noninterest-bearing deposits | 9,305,000 | 8,917,000 | 10,303,000 | 11,860,000 |
| Equity capital | 8,482,000 | 8,664,000 | 8,771,000 | 8,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 737,000 | 1,468,000 | 2,163,000 | 2,853,000 |
| Interest expense | 211,000 | 402,000 | 567,000 | 708,000 |
| Net interest income | 526,000 | 1,066,000 | 1,596,000 | 2,145,000 |
| Noninterest income | 62,000 | 132,000 | 208,000 | 285,000 |
| Noninterest expense | 363,000 | 707,000 | 1,052,000 | 1,400,000 |
| Provision for loan losses | 0 | 0 | 1,000 | 1,000 |
| Pretax income | 286,000 | 552,000 | 812,000 | 1,090,000 |
| Income tax | 98,000 | 190,000 | 281,000 | 377,000 |
| Net income | 188,000 | 362,000 | 531,000 | 713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,453,000 | 4,628,000 | 4,797,000 | 4,979,000 |
| Total capital | 4,850,000 | 5,025,000 | 5,196,000 | 5,377,000 |
| Risk-weighted assets | 38,013,000 | 39,948,000 | 41,217,000 | 42,653,000 |
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