Call reports 2003
RURAL AMERICAN BANK - MONTGOMERY/LONSDALE — 2003
What RURAL AMERICAN BANK - MONTGOMERY/LONSDALE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 66,379,000 | 68,873,000 | 70,730,000 | 71,916,000 |
| Total loans | 40,060,000 | 42,181,000 | 40,658,000 | 43,137,000 |
| Allowance for loan losses | 434,000 | 432,000 | 426,000 | 415,000 |
| Securities available for sale | 14,582,000 | 16,872,000 | 20,898,000 | 20,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,993,000 | 61,258,000 | 62,997,000 | 64,006,000 |
| Interest-bearing deposits | 51,658,000 | 53,082,000 | 54,381,000 | 55,726,000 |
| Noninterest-bearing deposits | 7,335,000 | 8,176,000 | 8,616,000 | 8,280,000 |
| Equity capital | 6,477,000 | 6,773,000 | 6,964,000 | 7,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 990,000 | 1,960,000 | 2,897,000 | 3,821,000 |
| Interest expense | 248,000 | 483,000 | 692,000 | 883,000 |
| Net interest income | 742,000 | 1,477,000 | 2,205,000 | 2,938,000 |
| Noninterest income | 113,000 | 228,000 | 337,000 | 456,000 |
| Noninterest expense | 410,000 | 826,000 | 1,228,000 | 1,622,000 |
| Provision for loan losses | 23,000 | 26,000 | 27,000 | 36,000 |
| Pretax income | 477,000 | 908,000 | 1,342,000 | 1,791,000 |
| Income tax | 181,000 | 348,000 | 516,000 | 684,000 |
| Net income | 296,000 | 560,000 | 826,000 | 1,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,858,000 | 5,123,000 | 5,388,000 | 5,670,000 |
| Total capital | 5,292,000 | 5,555,000 | 5,814,000 | 6,085,000 |
| Risk-weighted assets | 45,537,000 | 46,507,000 | 46,126,000 | 50,183,000 |
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