Rabun County Bank in Clayton, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Rabun County Bank - Overview

  • General
  • FDIC Certificate #: 22138
    Status: Active
    Federal Reserve ID: 514936
    Bank Holding Company (Regulatory Top Holder): Liberty Bancorp Of Georgia, Inc. (RSSDID: 1085228, Location: Clayton, GA)
    Date Established: October 10, 1975
    WWW: http://www.rabuncountybank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 11806
    FDIC's unique #: 15378
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 10, 1975
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 121 Rickman Street, Clayton, GA 30525
    County: Rabun
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Atlanta
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $230.4 mil
    Equity capital: $12.2 mil
    Deposits held in domestic offices: $198.3 mil
    Return on assets (ROA): -4.35% (-$10.0 mil)
    Quarterly return on assets: -15.50% (-$35.6 mil)
    Return on Equity (ROE): -53.63% (-$6.4 mil)
    Quarterly return on equity: -220.44% (-$26.5 mil)
    Net income: -$11.0 mil
    Quarterly Net income: -$9.3 mil
    Pretax return on assets: -3.45% (-$7,947.6 mil)
    Quarterly Pretax return on assets: -11.67% (-$26,883.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 50Total employees (full-time equivalent)
  • $230,364Total assets
  • $60,227Cash and due from depository institutions
  • $58,287Interest-bearing balances
  • $12,250Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $136,727Net loans & leases
  • $7,105Loan loss allowance
  • $0Trading account assets
  • $3,681Bank premises and fixed assets
  • $10,580Other real estate owned
  • $0Goodwill and other intangibles
  • $230,364Life insurance assets
  • $6,899All other assets
  • $218,203Total liabilities and capital
  • $198,287Total liabilities
  • $176,636Total deposits
  • $198,287Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $17,794Trading liabilities
  • $0Other borrowed funds
  • $2,122Subordinated debt
  • $12,161All other liabilities
  • $12,161Total equity capital
  • $12,161Total bank equity capital
  • $0Perpetual preferred stock
  • $720Common stock
  • $21,863Surplus
  • $-10,422Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $248Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,089Income earned, not collected on loans
  • $0Earning assets
  • $659Long-term assets (5+ years)
  • $207,264Average Assets, year-to-date
  • $42,712Average Assets, quarterly
  • $253,985Volatile liabilities
  • $238,969Insider loans
  • $135,904FHLB advances
  • $241,468Loans and leases held for sale
  • $3,878Unused loan commitments
  • $3,878Tier 1 (core) risk-based capital
  • $12,130Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,651Restructured Loans and leases
  • $2,873Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,872Total interest income
  • $3,295Total interest expense
  • $7,577Net interest income
  • $8,800Provision for loan and lease losses
  • $757Total noninterest income
  • $0Fiduciary activities
  • $293Service charges on deposit accounts
  • $0Trading account gains & fees
  • $464Additional noninterest income
  • $8,370Total noninterest expense
  • $3,257Salaries and employee benefits
  • $398Premises and equipment expense
  • $4,715Additional noninterest expense
  • -$8,836Pre-tax net operating income
  • $80Securities gains (losses)
  • $2,288Applicable income taxes
  • -$11,044Income before extraordinary items
  • $0Extraordinary gains - net
  • -$11,044Net income attributable to bank
  • $0Net charge-offs
  • -$11,044Cash dividends
  • $5,094Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.69%Yield on earning assets
  • 1.42%Cost of funding earning assets
  • 3.27%Net interest margin
  • 0.33%Noninterest income to earning assets
  • 3.61%Noninterest expense to earning assets
  • -4.38%Net operating income to assets
  • -4.35%Return on assets (ROA)
  • -3.45%Pretax return on assets
  • -53.63%Return on equity (ROE)
  • -53.63%Retained earnings to average equity (YTD only)
  • 3.05%Net charge-offs to loans
  • 172.75%Credit loss provision to net charge-offs
  • -0.01%Efficiency ratio
  • 100,432Assets per employee
  • 4.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.94%Loss allowance to noncurrent loans
  • 87.84%Noncurrent assets plus other real estate owned to assets
  • 8.16%Noncurrent loans to loans
  • 5.62%Net loans and leases to deposits
  • 68.95%Net loans and leases to core deposits
  • 72.18%Equity capital to assets
  • 5.28%Core capital (leverage) ratio
  • 5.02%Tier 1 risk-based capital ratio
  • 8.93%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $253,985Average earning assets
  • $20,593Average equity
  • $231,895Average loans

List of branches

  • 3 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015378Rabun County Bank121 Rickman Street, Clayton, GA 30525October 10, 1975Full Service Brick and Mortar
    1254115North Rabun Branch7408 State Highway 441 North, Dillard, GA 30537April 16, 1984Full Service Brick and Mortar
    2254116Traditions Bank210 Cannon Bridge Rd, Cornelia, GA 30531June 07, 1999Full Service Brick and Mortar

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