Call reports 2005
HABERSHAM BANK — 2005
What HABERSHAM BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 394,531,000 | 405,030,000 | 444,413,000 | 477,586,000 |
| Total loans | 275,094,000 | 286,976,000 | 325,001,000 | 322,837,000 |
| Allowance for loan losses | 3,759,000 | 3,836,000 | 3,980,000 | 3,945,000 |
| Securities available for sale | 72,251,000 | 75,100,000 | 73,247,000 | 73,115,000 |
| Securities held to maturity | 3,827,000 | 3,722,000 | 3,396,000 | 3,387,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,780,000 | 312,449,000 | 335,836,000 | 373,218,000 |
| Interest-bearing deposits | 279,243,000 | 285,824,000 | 316,025,000 | 333,894,000 |
| Noninterest-bearing deposits | 19,537,000 | 26,625,000 | 19,811,000 | 39,324,000 |
| Equity capital | 44,993,000 | 46,080,000 | 46,745,000 | 46,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,562,000 | 11,550,000 | 18,458,000 | 25,903,000 |
| Interest expense | 1,852,000 | 3,801,000 | 6,049,000 | 8,600,000 |
| Net interest income | 3,710,000 | 7,749,000 | 12,409,000 | 17,303,000 |
| Noninterest income | 749,000 | 1,588,000 | 2,353,000 | 3,298,000 |
| Noninterest expense | 3,125,000 | 6,444,000 | 9,844,000 | 13,735,000 |
| Provision for loan losses | 120,000 | 240,000 | 330,000 | 330,000 |
| Pretax income | 1,197,000 | 2,623,000 | 4,600,000 | 6,530,000 |
| Income tax | 351,000 | 767,000 | 1,410,000 | 2,051,000 |
| Net income | 846,000 | 1,856,000 | 3,190,000 | 4,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,058,000 | 43,777,000 | 43,030,000 | 43,730,000 |
| Total capital | 46,817,000 | 47,613,000 | 47,010,000 | 47,675,000 |
| Risk-weighted assets | 308,346,000 | 314,024,000 | 350,655,000 | 353,773,000 |