Call reports 2002
RURAL AMERICAN BANK - MONTGOMERY/LONSDALE — 2002
What RURAL AMERICAN BANK - MONTGOMERY/LONSDALE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 64,174,000 | 64,189,000 | 67,499,000 | 68,935,000 |
| Total loans | 38,415,000 | 41,141,000 | 42,205,000 | 45,048,000 |
| Allowance for loan losses | 391,000 | 394,000 | 399,000 | 411,000 |
| Securities available for sale | 16,006,000 | 15,970,000 | 16,951,000 | 16,179,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,066,000 | 56,751,000 | 59,503,000 | 60,638,000 |
| Interest-bearing deposits | 51,207,000 | 50,256,000 | 51,909,000 | 52,333,000 |
| Noninterest-bearing deposits | 5,859,000 | 6,495,000 | 7,594,000 | 8,305,000 |
| Equity capital | 6,241,000 | 6,584,000 | 7,046,000 | 7,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,041,000 | 2,059,000 | 3,126,000 | 4,199,000 |
| Interest expense | 337,000 | 634,000 | 929,000 | 1,201,000 |
| Net interest income | 704,000 | 1,425,000 | 2,197,000 | 2,998,000 |
| Noninterest income | 96,000 | 190,000 | 292,000 | 395,000 |
| Noninterest expense | 390,000 | 770,000 | 1,146,000 | 1,552,000 |
| Provision for loan losses | 0 | 3,000 | 12,000 | 30,000 |
| Pretax income | 410,000 | 842,000 | 1,331,000 | 1,863,000 |
| Income tax | 156,000 | 328,000 | 508,000 | 716,000 |
| Net income | 254,000 | 514,000 | 823,000 | 1,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,732,000 | 4,993,000 | 5,301,000 | 5,626,000 |
| Total capital | 5,123,000 | 5,387,000 | 5,700,000 | 6,037,000 |
| Risk-weighted assets | 43,837,000 | 45,704,000 | 48,132,000 | 50,217,000 |
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