Call reports 2003
RURAL AMERICAN BANK FOLEY — 2003
What RURAL AMERICAN BANK FOLEY 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 | 70,688,000 | 74,448,000 | 72,788,000 | 74,160,000 |
| Total loans | 45,266,000 | 46,652,000 | 45,189,000 | 45,870,000 |
| Allowance for loan losses | 490,000 | 498,000 | 496,000 | 512,000 |
| Securities available for sale | 19,120,000 | 21,383,000 | 19,452,000 | 23,430,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,515,000 | 68,045,000 | 66,160,000 | 67,408,000 |
| Interest-bearing deposits | 54,443,000 | 57,503,000 | 56,291,000 | 57,420,000 |
| Noninterest-bearing deposits | 10,072,000 | 10,542,000 | 9,869,000 | 9,988,000 |
| Equity capital | 5,705,000 | 5,992,000 | 6,139,000 | 6,359,000 |
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 | 1,047,000 | 2,098,000 | 3,119,000 | 4,132,000 |
| Interest expense | 336,000 | 657,000 | 933,000 | 1,196,000 |
| Net interest income | 711,000 | 1,441,000 | 2,186,000 | 2,936,000 |
| Noninterest income | 99,000 | 209,000 | 309,000 | 469,000 |
| Noninterest expense | 449,000 | 887,000 | 1,364,000 | 1,853,000 |
| Provision for loan losses | 12,000 | 31,000 | 39,000 | 44,000 |
| Pretax income | 349,000 | 732,000 | 1,092,000 | 1,508,000 |
| Income tax | 130,000 | 271,000 | 407,000 | 559,000 |
| Net income | 219,000 | 461,000 | 685,000 | 949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,237,000 | 5,478,000 | 5,702,000 | 5,966,000 |
| Total capital | 5,727,000 | 5,976,000 | 6,198,000 | 6,478,000 |
| Risk-weighted assets | 48,114,000 | 51,191,000 | 49,757,000 | 51,034,000 |
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