Call reports 2010
RABUN COUNTY BANK — 2010
What RABUN COUNTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 271,835,000 | 267,384,000 | 266,444,000 | 264,344,000 |
| Total loans | 206,531,000 | 197,522,000 | 192,862,000 | 183,970,000 |
| Allowance for loan losses | 2,836,000 | 2,827,000 | 3,353,000 | 3,399,000 |
| Securities available for sale | 11,910,000 | 11,264,000 | 10,446,000 | 12,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,457,000 | 219,636,000 | 218,410,000 | 220,771,000 |
| Interest-bearing deposits | 207,389,000 | 201,218,000 | 200,629,000 | 201,969,000 |
| Noninterest-bearing deposits | 17,068,000 | 18,418,000 | 17,781,000 | 18,802,000 |
| Equity capital | 23,609,000 | 23,807,000 | 23,796,000 | 23,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,284,000 | 6,373,000 | 9,448,000 | 12,338,000 |
| Interest expense | 1,342,000 | 2,553,000 | 3,666,000 | 4,706,000 |
| Net interest income | 1,942,000 | 3,820,000 | 5,782,000 | 7,632,000 |
| Noninterest income | 213,000 | 438,000 | 692,000 | 959,000 |
| Noninterest expense | 1,605,000 | 3,239,000 | 4,958,000 | 7,203,000 |
| Provision for loan losses | 365,000 | 665,000 | 1,405,000 | 2,395,000 |
| Pretax income | 185,000 | 354,000 | 111,000 | -1,007,000 |
| Income tax | 23,000 | 39,000 | -98,000 | -529,000 |
| Net income | 162,000 | 315,000 | 209,000 | -478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,401,000 | 23,199,000 | 23,861,000 | 23,174,000 |
| Total capital | 25,781,000 | 25,479,000 | 26,085,000 | 25,345,000 |
| Risk-weighted assets | 189,932,000 | 181,846,000 | 176,794,000 | 172,415,000 |