Call reports 2001
HABERSHAM BANK — 2001
What HABERSHAM BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 563,875,000 | 556,372,000 | 504,403,000 | 541,224,000 |
| Total loans | 469,391,000 | 459,832,000 | 409,084,000 | 440,529,000 |
| Allowance for loan losses | 3,328,000 | 3,560,000 | 3,717,000 | 3,836,000 |
| Securities available for sale | 43,041,000 | 41,647,000 | 42,896,000 | 45,538,000 |
| Securities held to maturity | 11,154,000 | 10,933,000 | 9,765,000 | 9,646,000 |
| Trading assets | 181,000 | 443,000 | 0 | 0 |
| Total deposits | 397,324,000 | 374,138,000 | 368,252,000 | 353,480,000 |
| Interest-bearing deposits | 348,814,000 | 318,214,000 | 306,247,000 | 305,224,000 |
| Noninterest-bearing deposits | 48,510,000 | 55,924,000 | 62,005,000 | 48,256,000 |
| Equity capital | 35,433,000 | 40,826,000 | 41,855,000 | 42,398,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 11,012,000 | 22,055,000 | 32,197,000 | 41,348,000 |
| Interest expense | 6,646,000 | 13,074,000 | 18,422,000 | 22,949,000 |
| Net interest income | 4,366,000 | 8,981,000 | 13,775,000 | 18,399,000 |
| Noninterest income | 6,127,000 | 14,928,000 | 23,201,000 | 33,131,000 |
| Noninterest expense | 8,234,000 | 18,498,000 | 29,428,000 | 41,034,000 |
| Provision for loan losses | 284,000 | 716,000 | 1,120,000 | 2,007,000 |
| Pretax income | 2,029,000 | 4,746,000 | 6,584,000 | 8,680,000 |
| Income tax | 643,000 | 1,524,000 | 2,160,000 | 2,679,000 |
| Net income | 1,224,000 | 3,060,000 | 4,262,000 | 5,839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,397,000 | 37,913,000 | 38,765,000 | 39,758,000 |
| Total capital | 35,725,000 | 41,473,000 | 42,482,000 | 43,594,000 |
| Risk-weighted assets | 407,649,000 | 407,807,000 | 377,663,000 | 402,049,000 |