Call reports 2004
RURAL AMERICAN BANK - HECTOR/FAIRFAX — 2004
What RURAL AMERICAN BANK - HECTOR/FAIRFAX reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 61,379,000 | 60,050,000 | 59,679,000 | 64,792,000 |
| Total loans | 33,422,000 | 34,534,000 | 36,976,000 | 36,219,000 |
| Allowance for loan losses | 397,000 | 394,000 | 393,000 | 394,000 |
| Securities available for sale | 15,480,000 | 14,724,000 | 13,179,000 | 16,696,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,805,000 | 49,764,000 | 48,542,000 | 52,412,000 |
| Interest-bearing deposits | 39,944,000 | 38,659,000 | 38,520,000 | 39,094,000 |
| Noninterest-bearing deposits | 11,861,000 | 11,105,000 | 10,022,000 | 13,318,000 |
| Equity capital | 8,381,000 | 8,414,000 | 8,657,000 | 8,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 620,000 | 1,272,000 | 1,956,000 | 2,671,000 |
| Interest expense | 125,000 | 238,000 | 349,000 | 466,000 |
| Net interest income | 495,000 | 1,034,000 | 1,607,000 | 2,205,000 |
| Noninterest income | 67,000 | 138,000 | 225,000 | 304,000 |
| Noninterest expense | 357,000 | 712,000 | 1,067,000 | 1,411,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 205,000 | 462,000 | 767,000 | 1,100,000 |
| Income tax | 65,000 | 154,000 | 262,000 | 384,000 |
| Net income | 140,000 | 308,000 | 505,000 | 716,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,406,000 | 4,573,000 | 4,771,000 | 4,982,000 |
| Total capital | 4,803,000 | 4,967,000 | 5,164,000 | 5,376,000 |
| Risk-weighted assets | 41,137,000 | 42,343,000 | 44,759,000 | 44,928,000 |