Call reports 2006
RURAL AMERICAN BANK - HECTOR/FAIRFAX — 2006
What RURAL AMERICAN BANK - HECTOR/FAIRFAX reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 |
|---|---|---|
| Total assets | 57,152,000 | 56,963,000 |
| Total loans | 33,370,000 | 34,744,000 |
| Allowance for loan losses | 394,000 | 397,000 |
| Securities available for sale | 13,538,000 | 13,220,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 48,071,000 | 47,356,000 |
| Interest-bearing deposits | 39,429,000 | 39,326,000 |
| Noninterest-bearing deposits | 8,642,000 | 8,030,000 |
| Equity capital | 8,125,000 | 8,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 |
|---|---|---|
| Interest income | 804,000 | 1,616,000 |
| Interest expense | 236,000 | 495,000 |
| Net interest income | 568,000 | 1,121,000 |
| Noninterest income | 81,000 | 161,000 |
| Noninterest expense | 381,000 | 744,000 |
| Provision for loan losses | 3,000 | 6,000 |
| Pretax income | 265,000 | 532,000 |
| Income tax | 0 | 0 |
| Net income | 265,000 | 532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 |
|---|---|---|
| Tier 1 capital | 4,532,000 | 4,623,000 |
| Total capital | 4,926,000 | 5,020,000 |
| Risk-weighted assets | 39,461,000 | 40,913,000 |