Call reports 2003
HABERSHAM BANK — 2003
What HABERSHAM BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 397,926,000 | 399,867,000 | 385,263,000 | 374,547,000 |
| Total loans | 303,414,000 | 298,923,000 | 272,008,000 | 266,933,000 |
| Allowance for loan losses | 3,539,000 | 3,678,000 | 3,752,000 | 3,589,000 |
| Securities available for sale | 52,671,000 | 59,691,000 | 71,153,000 | 72,813,000 |
| Securities held to maturity | 6,629,000 | 6,020,000 | 5,275,000 | 4,860,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,318,000 | 307,220,000 | 292,523,000 | 281,631,000 |
| Interest-bearing deposits | 288,241,000 | 290,854,000 | 274,865,000 | 268,766,000 |
| Noninterest-bearing deposits | 12,077,000 | 16,366,000 | 17,658,000 | 12,865,000 |
| Equity capital | 48,500,000 | 49,806,000 | 48,293,000 | 45,502,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,989,000 | 11,854,000 | 17,289,000 | 22,578,000 |
| Interest expense | 2,257,000 | 4,377,000 | 6,310,000 | 8,122,000 |
| Net interest income | 3,732,000 | 7,477,000 | 10,979,000 | 14,456,000 |
| Noninterest income | 825,000 | 1,741,000 | 2,429,000 | 3,165,000 |
| Noninterest expense | 3,021,000 | 6,072,000 | 9,190,000 | 12,610,000 |
| Provision for loan losses | 263,000 | 525,000 | 788,000 | 950,000 |
| Pretax income | 1,279,000 | 2,631,000 | 3,442,000 | 4,272,000 |
| Income tax | 344,000 | 721,000 | 930,000 | 1,080,000 |
| Net income | 935,000 | 1,910,000 | 2,512,000 | 3,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,241,000 | 46,211,000 | 45,603,000 | 42,777,000 |
| Total capital | 48,780,000 | 49,889,000 | 49,218,000 | 46,366,000 |
| Risk-weighted assets | 314,727,000 | 314,768,000 | 289,065,000 | 290,869,000 |