Call reports 2013
RABUN COUNTY BANK — 2013
What RABUN COUNTY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 183,439,000 | 183,455,000 | 170,764,000 | 162,274,000 |
| Total loans | 116,903,000 | 114,585,000 | 113,231,000 | 110,993,000 |
| Allowance for loan losses | 3,887,000 | 3,828,000 | 3,618,000 | 3,061,000 |
| Securities available for sale | 7,254,000 | 6,783,000 | 5,954,000 | 5,707,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,837,000 | 157,177,000 | 144,421,000 | 136,051,000 |
| Interest-bearing deposits | 137,618,000 | 135,315,000 | 121,922,000 | 116,208,000 |
| Noninterest-bearing deposits | 20,219,000 | 21,862,000 | 22,499,000 | 19,843,000 |
| Equity capital | 13,860,000 | 14,225,000 | 14,348,000 | 14,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,797,000 | 3,516,000 | 5,172,000 | 6,785,000 |
| Interest expense | 311,000 | 590,000 | 825,000 | 989,000 |
| Net interest income | 1,486,000 | 2,926,000 | 4,347,000 | 5,796,000 |
| Noninterest income | 172,000 | 490,000 | 506,000 | 562,000 |
| Noninterest expense | 1,326,000 | 2,654,000 | 3,948,000 | 5,235,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 332,000 | 762,000 | 905,000 | 1,123,000 |
| Income tax | 0 | 0 | 0 | -250,000 |
| Net income | 332,000 | 762,000 | 905,000 | 1,373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,814,000 | 14,243,000 | 14,387,000 | 14,855,000 |
| Total capital | 15,208,000 | 15,561,000 | 15,692,000 | 16,122,000 |
| Risk-weighted assets | 108,979,000 | 102,922,000 | 102,099,000 | 99,540,000 |