Call reports 2002
HABERSHAM BANK — 2002
What HABERSHAM BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 507,593,000 | 504,236,000 | 546,922,000 | 429,103,000 |
| Total loans | 407,483,000 | 404,364,000 | 443,274,000 | 307,294,000 |
| Allowance for loan losses | 3,972,000 | 3,658,000 | 3,724,000 | 3,479,000 |
| Securities available for sale | 47,179,000 | 49,703,000 | 49,444,000 | 54,818,000 |
| Securities held to maturity | 9,295,000 | 8,674,000 | 8,475,000 | 6,889,000 |
| Trading assets | 407,000 | 0 | 385,000 | 0 |
| Total deposits | 372,385,000 | 359,305,000 | 373,043,000 | 331,043,000 |
| Interest-bearing deposits | 310,790,000 | 289,270,000 | 296,346,000 | 305,790,000 |
| Noninterest-bearing deposits | 61,595,000 | 70,035,000 | 76,697,000 | 25,253,000 |
| Equity capital | 43,109,000 | 44,609,000 | 47,197,000 | 47,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 8,483,000 | 16,692,000 | 25,251,000 | 33,145,000 |
| Interest expense | 3,751,000 | 7,079,000 | 10,480,000 | 13,640,000 |
| Net interest income | 4,732,000 | 9,613,000 | 14,771,000 | 19,505,000 |
| Noninterest income | 8,458,000 | 15,463,000 | 25,741,000 | 34,145,000 |
| Noninterest expense | 10,598,000 | 21,041,000 | 32,808,000 | 43,419,000 |
| Provision for loan losses | 423,000 | 678,000 | 1,080,000 | 1,446,000 |
| Pretax income | 2,169,000 | 3,357,000 | 6,629,000 | 8,798,000 |
| Income tax | 660,000 | 934,000 | 2,040,000 | 3,177,000 |
| Net income | 1,509,000 | 2,423,000 | 4,589,000 | 5,621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,659,000 | 41,592,000 | 43,771,000 | 44,310,000 |
| Total capital | 44,631,000 | 45,250,000 | 47,495,000 | 47,789,000 |
| Risk-weighted assets | 386,008,000 | 379,022,000 | 390,753,000 | 327,647,000 |