Call reports 2007
HABERSHAM BANK — 2007
What HABERSHAM BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 491,183,000 | 495,573,000 | 505,227,000 | 513,380,000 |
| Total loans | 354,189,000 | 361,691,000 | 355,320,000 | 352,253,000 |
| Allowance for loan losses | 3,378,000 | 3,116,000 | 2,867,000 | 2,137,000 |
| Securities available for sale | 87,118,000 | 84,964,000 | 88,253,000 | 89,890,000 |
| Securities held to maturity | 2,990,000 | 2,985,000 | 2,696,000 | 2,689,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,969,000 | 380,226,000 | 391,473,000 | 390,511,000 |
| Interest-bearing deposits | 355,889,000 | 364,019,000 | 373,245,000 | 381,067,000 |
| Noninterest-bearing deposits | 24,080,000 | 16,207,000 | 18,228,000 | 9,444,000 |
| Equity capital | 52,862,000 | 52,660,000 | 54,114,000 | 50,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,038,000 | 18,350,000 | 27,634,000 | 36,312,000 |
| Interest expense | 3,980,000 | 8,099,000 | 12,494,000 | 16,847,000 |
| Net interest income | 5,058,000 | 10,251,000 | 15,140,000 | 19,465,000 |
| Noninterest income | 915,000 | 1,885,000 | 2,822,000 | 3,748,000 |
| Noninterest expense | 4,196,000 | 8,456,000 | 12,667,000 | 16,964,000 |
| Provision for loan losses | 0 | 0 | 80,000 | 675,000 |
| Pretax income | 1,782,000 | 3,685,000 | 5,220,000 | 5,579,000 |
| Income tax | 554,000 | 1,153,000 | 1,615,000 | 1,629,000 |
| Net income | 1,228,000 | 2,532,000 | 3,605,000 | 3,950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,324,000 | 50,241,000 | 50,931,000 | 47,185,000 |
| Total capital | 52,702,000 | 53,357,000 | 53,798,000 | 49,322,000 |
| Risk-weighted assets | 387,371,000 | 396,032,000 | 394,119,000 | 397,839,000 |