Call reports 2004
RURAL AMERICAN BANK - MONTGOMERY/LONSDALE — 2004
What RURAL AMERICAN BANK - MONTGOMERY/LONSDALE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Total assets | 69,177,000 | 68,940,000 | 73,075,000 |
| Total loans | 43,695,000 | 44,911,000 | 46,253,000 |
| Allowance for loan losses | 431,000 | 448,000 | 466,000 |
| Securities available for sale | 17,719,000 | 15,637,000 | 18,961,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 61,756,000 | 61,615,000 | 65,360,000 |
| Interest-bearing deposits | 54,162,000 | 53,709,000 | 56,578,000 |
| Noninterest-bearing deposits | 7,594,000 | 7,906,000 | 8,782,000 |
| Equity capital | 6,647,000 | 6,713,000 | 7,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Interest income | 891,000 | 1,783,000 | 2,702,000 |
| Interest expense | 178,000 | 344,000 | 505,000 |
| Net interest income | 713,000 | 1,439,000 | 2,197,000 |
| Noninterest income | 140,000 | 312,000 | 434,000 |
| Noninterest expense | 414,000 | 846,000 | 1,260,000 |
| Provision for loan losses | 15,000 | 35,000 | 54,000 |
| Pretax income | 435,000 | 881,000 | 1,328,000 |
| Income tax | 161,000 | 328,000 | 496,000 |
| Net income | 274,000 | 553,000 | 832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Tier 1 capital | 5,061,000 | 5,340,000 | 5,619,000 |
| Total capital | 5,492,000 | 5,788,000 | 6,085,000 |
| Risk-weighted assets | 48,543,000 | 49,380,000 | 52,623,000 |
Machine access — free, no API key
Every figure shown here about RURAL AMERICAN BANK - MONTGOMERY/LONSDALE — 2004 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.