Call reports 2009
BANK OF ELLIJAY — 2009
What BANK OF ELLIJAY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 181,998,000 | 177,879,000 | 179,943,000 | 173,880,000 |
| Total loans | 139,115,000 | 138,437,000 | 135,350,000 | 129,356,000 |
| Allowance for loan losses | 2,782,000 | 3,129,000 | 2,935,000 | 2,067,000 |
| Securities available for sale | 16,644,000 | 17,087,000 | 19,998,000 | 18,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,262,000 | 157,860,000 | 160,017,000 | 159,215,000 |
| Interest-bearing deposits | 156,416,000 | 154,613,000 | 154,754,000 | 155,231,000 |
| Noninterest-bearing deposits | 2,846,000 | 3,246,000 | 5,263,000 | 3,984,000 |
| Equity capital | 15,579,000 | 12,806,000 | 12,717,000 | 7,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,159,000 | 4,323,000 | 6,212,000 | 7,734,000 |
| Interest expense | 1,507,000 | 2,892,000 | 4,178,000 | 5,387,000 |
| Net interest income | 652,000 | 1,431,000 | 2,034,000 | 2,347,000 |
| Noninterest income | 35,000 | -310,000 | -331,000 | -400,000 |
| Noninterest expense | 1,019,000 | 2,016,000 | 2,977,000 | 4,305,000 |
| Provision for loan losses | 4,000 | 3,679,000 | 3,679,000 | 3,879,000 |
| Pretax income | -45,000 | -4,231,000 | -4,555,000 | -5,839,000 |
| Income tax | -13,000 | -1,581,000 | -1,697,000 | 0 |
| Net income | -32,000 | -2,650,000 | -2,858,000 | -7,652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,434,000 | 10,637,000 | 10,496,000 | 7,974,000 |
| Total capital | 16,453,000 | 12,615,000 | 12,426,000 | 9,684,000 |
| Risk-weighted assets | 160,784,000 | 157,034,000 | 155,117,000 | 136,406,000 |