Call reports 2002
RURAL AMERICAN BANK FOLEY — 2002
What RURAL AMERICAN BANK FOLEY 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 | 68,638,000 | 71,051,000 | 70,285,000 | 71,924,000 |
| Total loans | 43,677,000 | 46,642,000 | 47,314,000 | 46,225,000 |
| Allowance for loan losses | 456,000 | 463,000 | 468,000 | 480,000 |
| Securities available for sale | 17,886,000 | 19,791,000 | 18,076,000 | 18,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,035,000 | 63,492,000 | 63,496,000 | 64,811,000 |
| Interest-bearing deposits | 53,225,000 | 53,435,000 | 53,513,000 | 53,967,000 |
| Noninterest-bearing deposits | 9,810,000 | 10,057,000 | 9,983,000 | 10,844,000 |
| Equity capital | 5,198,000 | 5,612,000 | 6,177,000 | 6,501,000 |
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 | 1,146,000 | 2,344,000 | 3,568,000 | 4,789,000 |
| Interest expense | 403,000 | 787,000 | 1,163,000 | 1,525,000 |
| Net interest income | 743,000 | 1,557,000 | 2,405,000 | 3,264,000 |
| Noninterest income | 99,000 | 228,000 | 341,000 | 449,000 |
| Noninterest expense | 427,000 | 860,000 | 1,281,000 | 1,703,000 |
| Provision for loan losses | 6,000 | 12,000 | 20,000 | 32,000 |
| Pretax income | 409,000 | 913,000 | 1,445,000 | 2,103,000 |
| Income tax | 148,000 | 332,000 | 535,000 | 792,000 |
| Net income | 261,000 | 581,000 | 910,000 | 1,311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,933,000 | 5,253,000 | 5,582,000 | 5,983,000 |
| Total capital | 5,389,000 | 5,716,000 | 6,052,000 | 6,463,000 |
| Risk-weighted assets | 44,933,000 | 48,422,000 | 48,692,000 | 48,633,000 |
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