Call reports 2006
HABERSHAM BANK — 2006
What HABERSHAM BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 468,281,000 | 465,345,000 | 475,171,000 | 554,919,000 |
| Total loans | 320,054,000 | 326,658,000 | 347,354,000 | 349,444,000 |
| Allowance for loan losses | 3,940,000 | 3,857,000 | 3,490,000 | 3,445,000 |
| Securities available for sale | 78,322,000 | 84,235,000 | 85,313,000 | 84,982,000 |
| Securities held to maturity | 3,384,000 | 3,380,000 | 3,297,000 | 3,289,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,875,000 | 368,821,000 | 371,065,000 | 451,375,000 |
| Interest-bearing deposits | 345,450,000 | 341,337,000 | 347,090,000 | 429,469,000 |
| Noninterest-bearing deposits | 22,425,000 | 27,484,000 | 23,975,000 | 21,906,000 |
| Equity capital | 47,950,000 | 48,127,000 | 50,495,000 | 51,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,988,000 | 16,221,000 | 25,344,000 | 34,484,000 |
| Interest expense | 2,884,000 | 5,935,000 | 9,406,000 | 13,218,000 |
| Net interest income | 5,104,000 | 10,286,000 | 15,938,000 | 21,266,000 |
| Noninterest income | 838,000 | 1,820,000 | 3,253,000 | 3,659,000 |
| Noninterest expense | 3,775,000 | 7,664,000 | 12,148,000 | 15,816,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,162,000 | 4,436,000 | 7,030,000 | 9,096,000 |
| Income tax | 692,000 | 1,433,000 | 2,295,000 | 2,936,000 |
| Net income | 1,470,000 | 3,003,000 | 4,735,000 | 6,160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,838,000 | 45,983,000 | 47,430,000 | 48,470,000 |
| Total capital | 48,778,000 | 49,840,000 | 50,920,000 | 51,915,000 |
| Risk-weighted assets | 351,314,000 | 355,020,000 | 375,245,000 | 393,459,000 |