Call reports 2001
RURAL AMERICAN BANK - MONTGOMERY/LONSDALE — 2001
What RURAL AMERICAN BANK - MONTGOMERY/LONSDALE 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 | 61,431,000 | 60,891,000 | 64,603,000 | 66,687,000 |
| Total loans | 39,579,000 | 40,167,000 | 39,278,000 | 36,962,000 |
| Allowance for loan losses | 353,000 | 375,000 | 394,000 | 392,000 |
| Securities available for sale | 13,125,000 | 11,889,000 | 11,539,000 | 15,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,440,000 | 53,592,000 | 56,975,000 | 58,955,000 |
| Interest-bearing deposits | 48,149,000 | 47,963,000 | 50,411,000 | 52,317,000 |
| Noninterest-bearing deposits | 5,291,000 | 5,629,000 | 6,564,000 | 6,638,000 |
| Equity capital | 6,789,000 | 6,177,000 | 6,466,000 | 6,627,000 |
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 | 1,182,000 | 2,341,000 | 3,469,000 | 4,641,000 |
| Interest expense | 536,000 | 1,038,000 | 1,515,000 | 1,946,000 |
| Net interest income | 646,000 | 1,303,000 | 1,954,000 | 2,695,000 |
| Noninterest income | 92,000 | 197,000 | 282,000 | 372,000 |
| Noninterest expense | 428,000 | 836,000 | 1,239,000 | 1,661,000 |
| Provision for loan losses | 18,000 | 40,000 | 63,000 | 72,000 |
| Pretax income | 292,000 | 626,000 | 936,000 | 1,336,000 |
| Income tax | 123,000 | 264,000 | 396,000 | 565,000 |
| Net income | 169,000 | 362,000 | 540,000 | 771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,097,000 | 4,532,000 | 4,753,000 | 5,027,000 |
| Total capital | 5,450,000 | 4,907,000 | 5,147,000 | 5,419,000 |
| Risk-weighted assets | 41,419,000 | 42,888,000 | 43,423,000 | 43,526,000 |