Call reports 2006
BANK OF ELLIJAY — 2006
What BANK OF ELLIJAY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|
| Total assets | 33,558,000 | 60,909,000 | 83,707,000 |
| Total loans | 23,878,000 | 47,806,000 | 67,669,000 |
| Allowance for loan losses | 239,000 | 478,000 | 679,000 |
| Securities available for sale | 1,929,000 | 1,925,000 | 4,856,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 17,582,000 | 44,937,000 | 63,741,000 |
| Interest-bearing deposits | 14,182,000 | 42,286,000 | 62,009,000 |
| Noninterest-bearing deposits | 3,400,000 | 2,651,000 | 1,732,000 |
| Equity capital | 15,959,000 | 15,896,000 | 15,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|
| Interest income | 550,000 | 1,599,000 | 2,969,000 |
| Interest expense | 88,000 | 449,000 | 1,060,000 |
| Net interest income | 462,000 | 1,150,000 | 1,909,000 |
| Noninterest income | 1,000 | 1,000 | 3,000 |
| Noninterest expense | 906,000 | 1,615,000 | 2,416,000 |
| Provision for loan losses | 239,000 | 478,000 | 679,000 |
| Pretax income | -682,000 | -942,000 | -1,183,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -682,000 | -942,000 | -1,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|
| Tier 1 capital | 15,978,000 | 15,890,000 | 15,812,000 |
| Total capital | 16,217,000 | 16,368,000 | 16,491,000 |
| Risk-weighted assets | 31,214,000 | 58,460,000 | 84,047,000 |