Call reports 2010
BANK OF ELLIJAY — 2010
What BANK OF ELLIJAY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 |
|---|---|---|
| Total assets | 171,699,000 | 168,820,000 |
| Total loans | 125,800,000 | 117,576,000 |
| Allowance for loan losses | 3,560,000 | 5,190,000 |
| Securities available for sale | 18,537,000 | 8,472,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 159,573,000 | 160,718,000 |
| Interest-bearing deposits | 156,441,000 | 157,567,000 |
| Noninterest-bearing deposits | 3,132,000 | 3,151,000 |
| Equity capital | 5,156,000 | 945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 |
|---|---|---|
| Interest income | 1,131,000 | 2,261,000 |
| Interest expense | 1,110,000 | 2,057,000 |
| Net interest income | 21,000 | 204,000 |
| Noninterest income | 46,000 | 49,000 |
| Noninterest expense | 1,041,000 | 2,766,000 |
| Provision for loan losses | 1,800,000 | 4,776,000 |
| Pretax income | -2,774,000 | -7,151,000 |
| Income tax | 0 | 0 |
| Net income | -2,774,000 | -7,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 |
|---|---|---|
| Tier 1 capital | 5,223,000 | 870,000 |
| Total capital | 6,953,000 | 1,740,000 |
| Risk-weighted assets | 136,652,000 | 131,263,000 |