Call reports 2005
RURAL AMERICAN BANK - HECTOR/FAIRFAX — 2005
What RURAL AMERICAN BANK - HECTOR/FAIRFAX reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 59,902,000 | 59,745,000 | 60,669,000 | 63,501,000 |
| Total loans | 33,175,000 | 35,444,000 | 39,220,000 | 37,784,000 |
| Allowance for loan losses | 395,000 | 394,000 | 394,000 | 393,000 |
| Securities available for sale | 18,053,000 | 14,491,000 | 13,756,000 | 14,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,885,000 | 48,897,000 | 46,584,000 | 51,025,000 |
| Interest-bearing deposits | 37,315,000 | 38,099,000 | 36,982,000 | 39,867,000 |
| Noninterest-bearing deposits | 12,570,000 | 10,798,000 | 9,602,000 | 11,158,000 |
| Equity capital | 8,328,000 | 8,705,000 | 8,936,000 | 9,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 710,000 | 1,451,000 | 2,239,000 | 3,061,000 |
| Interest expense | 115,000 | 264,000 | 449,000 | 663,000 |
| Net interest income | 595,000 | 1,187,000 | 1,790,000 | 2,398,000 |
| Noninterest income | 71,000 | 146,000 | 230,000 | 318,000 |
| Noninterest expense | 367,000 | 715,000 | 1,101,000 | 1,486,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,000 |
| Pretax income | 299,000 | 618,000 | 919,000 | 1,229,000 |
| Income tax | -50,000 | -43,000 | -43,000 | -43,000 |
| Net income | 349,000 | 661,000 | 962,000 | 1,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,616,000 | 4,928,000 | 5,229,000 | 5,537,000 |
| Total capital | 5,011,000 | 5,322,000 | 5,623,000 | 5,930,000 |
| Risk-weighted assets | 40,923,000 | 41,285,000 | 44,545,000 | 43,782,000 |