Call reports 2004
HABERSHAM BANK — 2004
What HABERSHAM BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 369,255,000 | 377,531,000 | 395,924,000 | 385,926,000 |
| Total loans | 259,863,000 | 275,081,000 | 280,621,000 | 281,836,000 |
| Allowance for loan losses | 3,567,000 | 3,589,000 | 3,635,000 | 3,635,000 |
| Securities available for sale | 70,546,000 | 66,960,000 | 67,204,000 | 70,313,000 |
| Securities held to maturity | 4,751,000 | 4,439,000 | 4,217,000 | 4,111,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,514,000 | 275,508,000 | 303,753,000 | 293,284,000 |
| Interest-bearing deposits | 263,524,000 | 262,857,000 | 284,914,000 | 275,720,000 |
| Noninterest-bearing deposits | 15,990,000 | 12,651,000 | 18,839,000 | 17,564,000 |
| Equity capital | 46,135,000 | 43,619,000 | 45,167,000 | 45,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,066,000 | 10,111,000 | 15,361,000 | 20,756,000 |
| Interest expense | 1,666,000 | 3,291,000 | 5,012,000 | 6,792,000 |
| Net interest income | 3,400,000 | 6,820,000 | 10,349,000 | 13,964,000 |
| Noninterest income | 754,000 | 2,455,000 | 3,336,000 | 4,130,000 |
| Noninterest expense | 3,283,000 | 6,791,000 | 10,101,000 | 13,436,000 |
| Provision for loan losses | 163,000 | 283,000 | 403,000 | 483,000 |
| Pretax income | 739,000 | 2,239,000 | 3,228,000 | 4,407,000 |
| Income tax | 171,000 | 649,000 | 915,000 | 1,263,000 |
| Net income | 568,000 | 1,590,000 | 2,313,000 | 3,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,896,000 | 42,203,000 | 42,660,000 | 43,205,000 |
| Total capital | 46,463,000 | 45,792,000 | 46,295,000 | 46,840,000 |
| Risk-weighted assets | 285,560,000 | 303,335,000 | 306,501,000 | 307,251,000 |