Call reports 2004
RABUN COUNTY BANK — 2004
What RABUN COUNTY BANK 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 | 163,017,000 | 170,280,000 | 172,215,000 | 182,685,000 |
| Total loans | 135,030,000 | 139,322,000 | 144,514,000 | 153,981,000 |
| Allowance for loan losses | 1,504,000 | 1,555,000 | 1,435,000 | 1,540,000 |
| Securities available for sale | 1,817,000 | 1,808,000 | 1,829,000 | 1,811,000 |
| Securities held to maturity | 12,245,000 | 14,680,000 | 16,503,000 | 15,542,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,227,000 | 139,125,000 | 141,185,000 | 148,641,000 |
| Interest-bearing deposits | 118,418,000 | 123,351,000 | 124,530,000 | 132,135,000 |
| Noninterest-bearing deposits | 13,809,000 | 15,774,000 | 16,655,000 | 16,506,000 |
| Equity capital | 12,043,000 | 12,487,000 | 12,977,000 | 12,471,000 |
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 | 2,337,000 | 4,761,000 | 7,278,000 | 9,928,000 |
| Interest expense | 736,000 | 1,508,000 | 2,322,000 | 3,187,000 |
| Net interest income | 1,601,000 | 3,253,000 | 4,956,000 | 6,741,000 |
| Noninterest income | 227,000 | 504,000 | 750,000 | 1,029,000 |
| Noninterest expense | 1,253,000 | 2,507,000 | 3,741,000 | 4,944,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 310,000 |
| Pretax income | 530,000 | 1,160,000 | 1,830,000 | 2,516,000 |
| Income tax | 165,000 | 344,000 | 545,000 | 743,000 |
| Net income | 365,000 | 816,000 | 1,285,000 | 1,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,043,000 | 12,494,000 | 12,963,000 | 12,473,000 |
| Total capital | 13,499,000 | 13,988,000 | 14,398,000 | 14,013,000 |
| Risk-weighted assets | 116,417,000 | 119,473,000 | 124,229,000 | 130,735,000 |
Machine access — free, no API key
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