Call reports 2016
RABUN COUNTY BANK — 2016
What RABUN COUNTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 154,566,000 | 158,352,000 | 163,212,000 | 167,068,000 |
| Total loans | 96,000,000 | 98,816,000 | 100,276,000 | 101,861,000 |
| Allowance for loan losses | 2,747,000 | 2,735,000 | 2,738,000 | 2,738,000 |
| Securities available for sale | 5,151,000 | 5,038,000 | 4,861,000 | 4,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,177,000 | 132,651,000 | 137,036,000 | 140,838,000 |
| Interest-bearing deposits | 100,157,000 | 101,512,000 | 103,168,000 | 104,350,000 |
| Noninterest-bearing deposits | 29,020,000 | 31,139,000 | 33,868,000 | 36,488,000 |
| Equity capital | 16,986,000 | 17,243,000 | 17,587,000 | 17,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,302,000 | 2,652,000 | 4,044,000 | 5,448,000 |
| Interest expense | 96,000 | 192,000 | 288,000 | 384,000 |
| Net interest income | 1,206,000 | 2,460,000 | 3,756,000 | 5,064,000 |
| Noninterest income | 257,000 | 420,000 | 674,000 | 945,000 |
| Noninterest expense | 1,212,000 | 2,379,000 | 3,586,000 | 4,855,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 251,000 | 501,000 | 844,000 | 1,164,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 251,000 | 501,000 | 844,000 | 1,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,831,000 | 17,081,000 | 17,424,000 | 17,743,000 |
| Total capital | 17,981,000 | 18,256,000 | 18,612,000 | 18,953,000 |
| Risk-weighted assets | 90,282,000 | 92,336,000 | 93,403,000 | 95,183,000 |