Call reports 2011
RABUN COUNTY BANK — 2011
What RABUN COUNTY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 265,002,000 | 262,639,000 | 247,574,000 | 230,364,000 |
| Total loans | 176,522,000 | 169,814,000 | 160,674,000 | 143,832,000 |
| Allowance for loan losses | 3,571,000 | 3,639,000 | 4,192,000 | 7,105,000 |
| Securities available for sale | 13,098,000 | 12,400,000 | 13,166,000 | 12,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,364,000 | 219,169,000 | 205,487,000 | 198,287,000 |
| Interest-bearing deposits | 201,130,000 | 199,128,000 | 184,276,000 | 176,636,000 |
| Noninterest-bearing deposits | 20,234,000 | 20,041,000 | 21,211,000 | 21,651,000 |
| Equity capital | 23,365,000 | 22,892,000 | 21,438,000 | 12,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,794,000 | 5,579,000 | 8,243,000 | 10,872,000 |
| Interest expense | 945,000 | 1,839,000 | 2,626,000 | 3,295,000 |
| Net interest income | 1,849,000 | 3,740,000 | 5,617,000 | 7,577,000 |
| Noninterest income | 230,000 | 416,000 | 595,000 | -1,661,000 |
| Noninterest expense | 1,634,000 | 3,257,000 | 5,671,000 | 5,952,000 |
| Provision for loan losses | 300,000 | 1,300,000 | 2,400,000 | 8,800,000 |
| Pretax income | 218,000 | -328,000 | -1,786,000 | -8,756,000 |
| Income tax | 52,000 | 0 | 0 | 2,288,000 |
| Net income | 166,000 | -328,000 | -1,786,000 | -11,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,703,000 | 20,796,000 | 19,037,000 | 12,130,000 |
| Total capital | 23,812,000 | 22,857,000 | 21,021,000 | 13,896,000 |
| Risk-weighted assets | 167,216,000 | 163,248,000 | 156,502,000 | 135,904,000 |