Call reports 2004
RURAL AMERICAN BANK FOLEY — 2004
What RURAL AMERICAN BANK FOLEY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 70,639,000 | 68,787,000 | 69,783,000 | 69,978,000 |
| Total loans | 48,032,000 | 49,003,000 | 51,624,000 | 50,737,000 |
| Allowance for loan losses | 485,000 | 484,000 | 488,000 | 493,000 |
| Securities available for sale | 17,705,000 | 15,358,000 | 13,967,000 | 13,822,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,041,000 | 62,593,000 | 62,871,000 | 63,095,000 |
| Interest-bearing deposits | 54,070,000 | 53,319,000 | 53,336,000 | 52,664,000 |
| Noninterest-bearing deposits | 9,971,000 | 9,274,000 | 9,535,000 | 10,431,000 |
| Equity capital | 5,861,000 | 5,900,000 | 6,270,000 | 6,523,000 |
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 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 988,000 | 1,970,000 | 2,985,000 | 4,014,000 |
| Interest expense | 233,000 | 453,000 | 668,000 | 880,000 |
| Net interest income | 755,000 | 1,517,000 | 2,317,000 | 3,134,000 |
| Noninterest income | 107,000 | 226,000 | 348,000 | 460,000 |
| Noninterest expense | 505,000 | 990,000 | 1,473,000 | 1,910,000 |
| Provision for loan losses | -13,000 | -14,000 | -11,000 | 1,000 |
| Pretax income | 377,000 | 774,000 | 1,210,000 | 1,690,000 |
| Income tax | 137,000 | 286,000 | 445,000 | 628,000 |
| Net income | 240,000 | 488,000 | 765,000 | 1,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,420,000 | 5,668,000 | 5,945,000 | 6,242,000 |
| Total capital | 5,905,000 | 6,152,000 | 6,433,000 | 6,735,000 |
| Risk-weighted assets | 53,833,000 | 54,139,000 | 55,680,000 | 53,791,000 |