Call reports 2001
RURAL AMERICAN BANK FOLEY — 2001
What RURAL AMERICAN BANK FOLEY 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 | 62,531,000 | 63,854,000 | 66,090,000 | 68,682,000 |
| Total loans | 43,632,000 | 44,445,000 | 45,261,000 | 43,569,000 |
| Allowance for loan losses | 452,000 | 452,000 | 452,000 | 450,000 |
| Securities available for sale | 12,239,000 | 12,202,000 | 12,031,000 | 16,247,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,645,000 | 58,389,000 | 60,196,000 | 62,565,000 |
| Interest-bearing deposits | 48,608,000 | 49,024,000 | 50,900,000 | 52,344,000 |
| Noninterest-bearing deposits | 8,037,000 | 9,365,000 | 9,296,000 | 10,221,000 |
| Equity capital | 5,041,000 | 5,039,000 | 5,377,000 | 5,628,000 |
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 | 1,239,000 | 2,467,000 | 3,726,000 | 5,000,000 |
| Interest expense | 526,000 | 1,041,000 | 1,537,000 | 1,996,000 |
| Net interest income | 713,000 | 1,426,000 | 2,189,000 | 3,004,000 |
| Noninterest income | 98,000 | 202,000 | 296,000 | 540,000 |
| Noninterest expense | 431,000 | 845,000 | 1,260,000 | 1,906,000 |
| Provision for loan losses | 9,000 | 9,000 | 9,000 | 13,000 |
| Pretax income | 371,000 | 774,000 | 1,216,000 | 1,625,000 |
| Income tax | 143,000 | 301,000 | 477,000 | 583,000 |
| Net income | 228,000 | 473,000 | 739,000 | 1,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,680,000 | 4,695,000 | 4,968,000 | 5,278,000 |
| Total capital | 5,132,000 | 5,147,000 | 5,420,000 | 5,728,000 |
| Risk-weighted assets | 43,216,000 | 45,057,000 | 45,362,000 | 44,624,000 |