Call reports 2019
RABUN COUNTY BANK — 2019
What RABUN COUNTY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 174,144,000 | 179,046,000 | 183,510,000 | 188,279,000 |
| Total loans | 121,231,000 | 122,251,000 | 126,333,000 | 123,238,000 |
| Allowance for loan losses | 3,145,000 | 3,073,000 | 2,986,000 | 2,987,000 |
| Securities available for sale | 6,470,000 | 4,501,000 | 4,331,000 | 4,176,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,956,000 | 149,162,000 | 152,959,000 | 158,076,000 |
| Interest-bearing deposits | 100,828,000 | 103,774,000 | 105,050,000 | 109,927,000 |
| Noninterest-bearing deposits | 44,128,000 | 45,388,000 | 47,909,000 | 48,149,000 |
| Equity capital | 23,631,000 | 24,260,000 | 24,770,000 | 24,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,926,000 | 3,851,000 | 5,878,000 | 7,844,000 |
| Interest expense | 121,000 | 276,000 | 449,000 | 634,000 |
| Net interest income | 1,805,000 | 3,575,000 | 5,429,000 | 7,210,000 |
| Noninterest income | 357,000 | 733,000 | 1,075,000 | 1,448,000 |
| Noninterest expense | 1,387,000 | 2,838,000 | 4,308,000 | 5,797,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 775,000 | 1,470,000 | 2,196,000 | 2,861,000 |
| Income tax | 165,000 | 311,000 | 522,000 | 687,000 |
| Net income | 610,000 | 1,159,000 | 1,674,000 | 2,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,319,000 | 23,014,000 | 23,492,000 | 23,600,000 |
| Total capital | 23,755,000 | 24,438,000 | 24,938,000 | 25,046,000 |
| Risk-weighted assets | 113,131,000 | 112,233,000 | 114,096,000 | 114,104,000 |