Call reports 2003
RABUN COUNTY BANK — 2003
What RABUN COUNTY BANK 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 | 149,156,000 | 152,626,000 | 154,675,000 | 158,928,000 |
| Total loans | 120,146,000 | 123,317,000 | 127,784,000 | 133,207,000 |
| Allowance for loan losses | 1,410,000 | 1,433,000 | 1,428,000 | 1,484,000 |
| Securities available for sale | 0 | 1,310,000 | 810,000 | 1,810,000 |
| Securities held to maturity | 17,956,000 | 16,265,000 | 15,840,000 | 11,391,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,578,000 | 123,373,000 | 124,225,000 | 129,798,000 |
| Interest-bearing deposits | 107,560,000 | 109,370,000 | 110,417,000 | 115,139,000 |
| Noninterest-bearing deposits | 13,018,000 | 14,003,000 | 13,808,000 | 14,659,000 |
| Equity capital | 10,911,000 | 11,473,000 | 12,107,000 | 11,670,000 |
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 | 2,363,000 | 4,867,000 | 7,438,000 | 9,868,000 |
| Interest expense | 834,000 | 1,637,000 | 2,380,000 | 3,104,000 |
| Net interest income | 1,529,000 | 3,230,000 | 5,058,000 | 6,764,000 |
| Noninterest income | 203,000 | 540,000 | 888,000 | 1,146,000 |
| Noninterest expense | 1,132,000 | 2,296,000 | 3,476,000 | 4,754,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 280,000 |
| Pretax income | 555,000 | 1,384,000 | 2,335,000 | 2,876,000 |
| Income tax | 169,000 | 436,000 | 753,000 | 919,000 |
| Net income | 386,000 | 948,000 | 1,582,000 | 1,957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,911,000 | 11,473,000 | 12,107,000 | 11,678,000 |
| Total capital | 12,203,000 | 12,821,000 | 13,490,000 | 13,123,000 |
| Risk-weighted assets | 103,239,000 | 107,790,000 | 110,633,000 | 115,527,000 |
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