Call reports 2025
RABUN COUNTY BANK — 2025
What RABUN COUNTY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 335,785,000 | 342,867,000 | 348,896,000 | 366,218,000 |
| Total loans | 199,977,000 | 209,009,000 | 213,707,000 | 215,132,000 |
| Allowance for loan losses | 2,962,000 | 2,961,000 | 3,000,000 | 3,077,000 |
| Securities available for sale | 10,621,000 | 8,585,000 | 9,511,000 | 9,484,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,458,000 | 303,170,000 | 310,417,000 | 326,923,000 |
| Interest-bearing deposits | 208,268,000 | 215,472,000 | 218,414,000 | 236,177,000 |
| Noninterest-bearing deposits | 89,190,000 | 87,698,000 | 92,003,000 | 90,746,000 |
| Equity capital | 35,496,000 | 36,826,000 | 35,488,000 | 36,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,483,000 | 9,267,000 | 14,103,000 | 19,182,000 |
| Interest expense | 1,540,000 | 3,064,000 | 4,620,000 | 6,137,000 |
| Net interest income | 2,943,000 | 6,203,000 | 9,483,000 | 13,045,000 |
| Noninterest income | 432,000 | 983,000 | 1,509,000 | 1,989,000 |
| Noninterest expense | 2,002,000 | 4,087,000 | 6,322,000 | 8,519,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 125,000 |
| Pretax income | 1,369,000 | 3,087,000 | 4,605,000 | 6,371,000 |
| Income tax | 320,000 | 723,000 | 1,077,000 | 1,505,000 |
| Net income | 1,049,000 | 2,364,000 | 3,528,000 | 4,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,767,000 | 37,082,000 | 35,690,000 | 37,028,000 |