Call reports 2015
RABUN COUNTY BANK — 2015
What RABUN COUNTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 150,703,000 | 157,346,000 | 159,328,000 | 157,621,000 |
| Total loans | 102,320,000 | 102,177,000 | 97,403,000 | 96,639,000 |
| Allowance for loan losses | 2,848,000 | 2,906,000 | 3,440,000 | 2,791,000 |
| Securities available for sale | 4,384,000 | 4,152,000 | 3,501,000 | 3,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,436,000 | 132,632,000 | 133,991,000 | 131,619,000 |
| Interest-bearing deposits | 102,778,000 | 104,084,000 | 102,228,000 | 101,352,000 |
| Noninterest-bearing deposits | 23,658,000 | 28,548,000 | 31,763,000 | 30,267,000 |
| Equity capital | 15,851,000 | 16,111,000 | 16,684,000 | 16,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,356,000 | 2,776,000 | 4,403,000 | 5,750,000 |
| Interest expense | 110,000 | 221,000 | 331,000 | 430,000 |
| Net interest income | 1,246,000 | 2,555,000 | 4,072,000 | 5,320,000 |
| Noninterest income | 215,000 | 354,000 | 543,000 | 833,000 |
| Noninterest expense | 1,175,000 | 2,373,000 | 3,509,000 | 5,589,000 |
| Provision for loan losses | 0 | 0 | 0 | -600,000 |
| Pretax income | 286,000 | 536,000 | 1,106,000 | 1,164,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 286,000 | 536,000 | 1,106,000 | 1,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,738,000 | 15,987,000 | 16,557,000 | 16,615,000 |
| Total capital | 16,967,000 | 17,205,000 | 17,725,000 | 17,773,000 |
| Risk-weighted assets | 96,724,000 | 95,748,000 | 91,079,000 | 90,914,000 |