Call reports 2020
RABUN COUNTY BANK — 2020
What RABUN COUNTY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 194,918,000 | 206,161,000 | 215,793,000 | 222,639,000 |
| Total loans | 125,994,000 | 133,922,000 | 133,541,000 | 134,602,000 |
| Allowance for loan losses | 2,994,000 | 2,989,000 | 2,991,000 | 3,094,000 |
| Securities available for sale | 4,133,000 | 5,763,000 | 6,401,000 | 8,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,305,000 | 175,123,000 | 184,204,000 | 191,907,000 |
| Interest-bearing deposits | 114,149,000 | 116,021,000 | 123,694,000 | 127,152,000 |
| Noninterest-bearing deposits | 50,156,000 | 59,102,000 | 60,510,000 | 64,755,000 |
| Equity capital | 25,012,000 | 25,395,000 | 25,863,000 | 25,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,904,000 | 3,648,000 | 5,432,000 | 7,190,000 |
| Interest expense | 187,000 | 359,000 | 518,000 | 648,000 |
| Net interest income | 1,717,000 | 3,289,000 | 4,914,000 | 6,542,000 |
| Noninterest income | 94,000 | 445,000 | 907,000 | 1,410,000 |
| Noninterest expense | 1,415,000 | 2,844,000 | 4,301,000 | 5,806,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 396,000 | 890,000 | 1,520,000 | 2,146,000 |
| Income tax | 86,000 | 203,000 | 358,000 | 514,000 |
| Net income | 310,000 | 687,000 | 1,162,000 | 1,632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,994,000 | 24,474,000 | 24,666,000 | 24,290,000 |