Call reports 2009
RABUN COUNTY BANK — 2009
What RABUN COUNTY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 271,382,000 | 271,544,000 | 269,972,000 | 266,552,000 |
| Total loans | 229,630,000 | 225,008,000 | 220,106,000 | 210,878,000 |
| Allowance for loan losses | 2,829,000 | 2,625,000 | 2,884,000 | 2,573,000 |
| Securities available for sale | 12,888,000 | 12,751,000 | 12,708,000 | 12,401,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,704,000 | 223,826,000 | 221,371,000 | 219,263,000 |
| Interest-bearing deposits | 209,141,000 | 207,765,000 | 205,859,000 | 204,364,000 |
| Noninterest-bearing deposits | 15,563,000 | 16,061,000 | 15,512,000 | 14,899,000 |
| Equity capital | 22,443,000 | 23,007,000 | 23,608,000 | 23,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,841,000 | 7,585,000 | 11,255,000 | 14,826,000 |
| Interest expense | 1,957,000 | 3,797,000 | 5,524,000 | 7,096,000 |
| Net interest income | 1,884,000 | 3,788,000 | 5,731,000 | 7,730,000 |
| Noninterest income | 314,000 | 695,000 | 1,019,000 | 1,314,000 |
| Noninterest expense | 1,653,000 | 3,374,000 | 4,986,000 | 6,752,000 |
| Provision for loan losses | 129,000 | 348,000 | 620,000 | 1,687,000 |
| Pretax income | 416,000 | 761,000 | 1,144,000 | 799,000 |
| Income tax | 108,000 | 190,000 | 287,000 | 116,000 |
| Net income | 308,000 | 571,000 | 857,000 | 683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,875,000 | 22,858,000 | 23,104,000 | 23,366,000 |
| Total capital | 25,574,000 | 25,505,000 | 25,699,000 | 25,823,000 |
| Risk-weighted assets | 215,774,000 | 215,239,000 | 207,313,000 | 196,392,000 |