Call reports 2008
BANK OF ELLIJAY — 2008
What BANK OF ELLIJAY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 159,748,000 | 160,812,000 | 166,509,000 | 170,751,000 |
| Total loans | 131,882,000 | 129,951,000 | 133,792,000 | 138,901,000 |
| Allowance for loan losses | 1,688,000 | 1,773,000 | 1,868,000 | 2,778,000 |
| Securities available for sale | 13,724,000 | 12,932,000 | 11,915,000 | 17,596,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,235,000 | 132,221,000 | 143,018,000 | 147,401,000 |
| Interest-bearing deposits | 134,654,000 | 127,949,000 | 138,300,000 | 144,666,000 |
| Noninterest-bearing deposits | 3,581,000 | 4,272,000 | 4,718,000 | 2,736,000 |
| Equity capital | 16,848,000 | 16,386,000 | 16,272,000 | 15,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,514,000 | 4,726,000 | 6,858,000 | 8,975,000 |
| Interest expense | 1,724,000 | 3,312,000 | 4,867,000 | 6,466,000 |
| Net interest income | 790,000 | 1,414,000 | 1,991,000 | 2,509,000 |
| Noninterest income | 22,000 | 60,000 | 108,000 | -46,000 |
| Noninterest expense | 1,154,000 | 2,267,000 | 3,424,000 | 4,569,000 |
| Provision for loan losses | 169,000 | 254,000 | 349,000 | 1,297,000 |
| Pretax income | -511,000 | -1,047,000 | -1,642,000 | -3,370,000 |
| Income tax | -126,000 | -283,000 | -595,000 | -1,246,000 |
| Net income | -385,000 | -764,000 | -1,047,000 | -2,124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,707,000 | 16,518,000 | 16,379,000 | 14,339,000 |
| Total capital | 18,395,000 | 18,291,000 | 18,247,000 | 16,327,000 |
| Risk-weighted assets | 153,723,000 | 155,943,000 | 156,225,000 | 158,270,000 |