Call reports 2014
RABUN COUNTY BANK — 2014
What RABUN COUNTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 162,922,000 | 158,732,000 | 154,112,000 | 151,216,000 |
| Total loans | 108,865,000 | 103,898,000 | 102,501,000 | 102,611,000 |
| Allowance for loan losses | 2,864,000 | 2,780,000 | 2,578,000 | 2,860,000 |
| Securities available for sale | 5,318,000 | 5,020,000 | 4,809,000 | 4,568,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,321,000 | 131,942,000 | 130,140,000 | 127,329,000 |
| Interest-bearing deposits | 112,828,000 | 110,086,000 | 107,123,000 | 105,026,000 |
| Noninterest-bearing deposits | 23,493,000 | 21,856,000 | 23,017,000 | 22,303,000 |
| Equity capital | 15,235,000 | 15,281,000 | 15,359,000 | 15,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,535,000 | 3,008,000 | 4,458,000 | 5,894,000 |
| Interest expense | 152,000 | 302,000 | 445,000 | 564,000 |
| Net interest income | 1,383,000 | 2,706,000 | 4,013,000 | 5,330,000 |
| Noninterest income | 296,000 | 253,000 | 285,000 | 419,000 |
| Noninterest expense | 1,261,000 | 2,481,000 | 3,756,000 | 5,016,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 440,000 | 500,000 | 564,000 | 755,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 440,000 | 500,000 | 564,000 | 755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,295,000 | 15,355,000 | 15,419,000 | 15,610,000 |
| Total capital | 16,531,000 | 16,551,000 | 16,589,000 | 16,766,000 |
| Risk-weighted assets | 97,218,000 | 94,056,000 | 92,201,000 | 90,799,000 |