Call reports 2007
BANK OF ELLIJAY — 2007
What BANK OF ELLIJAY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 111,532,000 | 139,768,000 | 150,975,000 | 158,337,000 |
| Total loans | 93,345,000 | 114,789,000 | 124,933,000 | 132,084,000 |
| Allowance for loan losses | 936,000 | 1,148,000 | 1,250,000 | 1,519,000 |
| Securities available for sale | 4,723,000 | 5,465,000 | 5,415,000 | 10,153,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,237,000 | 116,678,000 | 125,844,000 | 137,780,000 |
| Interest-bearing deposits | 91,112,000 | 112,394,000 | 123,095,000 | 134,540,000 |
| Noninterest-bearing deposits | 3,125,000 | 4,284,000 | 2,749,000 | 3,240,000 |
| Equity capital | 16,101,000 | 16,168,000 | 16,450,000 | 16,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,009,000 | 4,572,000 | 7,428,000 | 10,338,000 |
| Interest expense | 1,005,000 | 2,402,000 | 3,974,000 | 5,746,000 |
| Net interest income | 1,004,000 | 2,170,000 | 3,454,000 | 4,592,000 |
| Noninterest income | 37,000 | -2,000 | 16,000 | 30,000 |
| Noninterest expense | 831,000 | 1,743,000 | 2,836,000 | 3,935,000 |
| Provision for loan losses | 257,000 | 469,000 | 571,000 | 840,000 |
| Pretax income | -47,000 | -44,000 | 63,000 | -153,000 |
| Income tax | 0 | 0 | 0 | -567,000 |
| Net income | -47,000 | -44,000 | 63,000 | 414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,106,000 | 16,247,000 | 16,475,000 | 16,964,000 |
| Total capital | 17,042,000 | 17,395,000 | 17,725,000 | 18,483,000 |
| Risk-weighted assets | 118,200,000 | 145,143,000 | 150,402,000 | 156,825,000 |