Call reports 2012
RABUN COUNTY BANK — 2012
What RABUN COUNTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 222,338,000 | 213,543,000 | 202,023,000 | 188,683,000 |
| Total loans | 140,425,000 | 134,793,000 | 127,705,000 | 125,450,000 |
| Allowance for loan losses | 7,277,000 | 7,354,000 | 5,611,000 | 5,008,000 |
| Securities available for sale | 11,598,000 | 10,888,000 | 8,156,000 | 7,632,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,996,000 | 180,902,000 | 170,052,000 | 163,463,000 |
| Interest-bearing deposits | 168,189,000 | 158,031,000 | 149,941,000 | 144,275,000 |
| Noninterest-bearing deposits | 21,807,000 | 22,871,000 | 20,111,000 | 19,188,000 |
| Equity capital | 12,426,000 | 14,014,000 | 13,277,000 | 13,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,359,000 | 4,543,000 | 6,617,000 | 8,616,000 |
| Interest expense | 568,000 | 1,065,000 | 1,505,000 | 1,898,000 |
| Net interest income | 1,791,000 | 3,478,000 | 5,112,000 | 6,718,000 |
| Noninterest income | 204,000 | 301,000 | -732,000 | -897,000 |
| Noninterest expense | 1,480,000 | 2,974,000 | 4,342,000 | 5,994,000 |
| Provision for loan losses | 300,000 | 500,000 | 500,000 | 500,000 |
| Pretax income | 215,000 | 305,000 | -462,000 | -673,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 215,000 | 305,000 | -462,000 | -673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,345,000 | 13,960,000 | 13,193,000 | 13,482,000 |
| Total capital | 14,062,000 | 15,596,000 | 14,711,000 | 14,964,000 |
| Risk-weighted assets | 131,725,000 | 125,100,000 | 117,297,000 | 115,027,000 |