Call reports 2005
RURAL AMERICAN BANK FOLEY — 2005
What RURAL AMERICAN BANK FOLEY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 68,679,000 | 71,523,000 | 72,436,000 | 72,832,000 |
| Total loans | 51,842,000 | 55,193,000 | 56,936,000 | 56,699,000 |
| Allowance for loan losses | 505,000 | 496,000 | 536,000 | 579,000 |
| Securities available for sale | 12,473,000 | 11,745,000 | 10,431,000 | 10,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,595,000 | 64,771,000 | 65,178,000 | 65,442,000 |
| Interest-bearing deposits | 51,490,000 | 54,459,000 | 54,120,000 | 54,248,000 |
| Noninterest-bearing deposits | 10,105,000 | 10,312,000 | 11,058,000 | 11,194,000 |
| Equity capital | 5,763,000 | 6,303,000 | 6,748,000 | 7,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,001,000 | 2,089,000 | 3,227,000 | 4,417,000 |
| Interest expense | 211,000 | 452,000 | 725,000 | 1,024,000 |
| Net interest income | 790,000 | 1,637,000 | 2,502,000 | 3,393,000 |
| Noninterest income | 117,000 | 243,000 | 359,000 | 462,000 |
| Noninterest expense | 450,000 | 894,000 | 1,358,000 | 1,866,000 |
| Provision for loan losses | 12,000 | 25,000 | 49,000 | 121,000 |
| Pretax income | 445,000 | 961,000 | 1,454,000 | 1,868,000 |
| Income tax | 81,000 | 86,000 | 86,000 | 86,000 |
| Net income | 364,000 | 875,000 | 1,368,000 | 1,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,544,000 | 6,055,000 | 6,548,000 | 6,962,000 |
| Total capital | 6,049,000 | 6,551,000 | 7,084,000 | 7,541,000 |
| Risk-weighted assets | 54,746,000 | 58,055,000 | 59,001,000 | 58,499,000 |
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