Call reports 2008
HABERSHAM BANK — 2008
What HABERSHAM BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 520,216,000 | 501,644,000 | 497,297,000 | 491,952,000 |
| Total loans | 341,653,000 | 339,945,000 | 337,134,000 | 322,775,000 |
| Allowance for loan losses | 2,239,000 | 2,427,000 | 7,684,000 | 12,168,000 |
| Securities available for sale | 96,787,000 | 91,257,000 | 89,987,000 | 97,278,000 |
| Securities held to maturity | 2,684,000 | 1,578,000 | 1,486,000 | 1,025,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,021,000 | 372,536,000 | 388,474,000 | 394,240,000 |
| Interest-bearing deposits | 377,290,000 | 353,740,000 | 368,093,000 | 377,904,000 |
| Noninterest-bearing deposits | 25,731,000 | 18,796,000 | 20,381,000 | 16,336,000 |
| Equity capital | 50,532,000 | 47,885,000 | 43,632,000 | 37,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,591,000 | 14,414,000 | 20,613,000 | 26,086,000 |
| Interest expense | 4,000,000 | 7,558,000 | 10,899,000 | 14,288,000 |
| Net interest income | 3,591,000 | 6,856,000 | 9,714,000 | 11,798,000 |
| Noninterest income | 919,000 | 1,747,000 | 2,543,000 | 2,475,000 |
| Noninterest expense | 3,948,000 | 8,037,000 | 12,126,000 | 19,689,000 |
| Provision for loan losses | 423,000 | 1,077,000 | 7,370,000 | 16,021,000 |
| Pretax income | 266,000 | -221,000 | -6,923,000 | -21,074,000 |
| Income tax | -44,000 | -405,000 | -3,030,000 | -7,203,000 |
| Net income | 310,000 | 184,000 | -3,893,000 | -13,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,558,000 | 45,634,000 | 40,990,000 | 35,483,000 |
| Total capital | 48,797,000 | 48,061,000 | 45,963,000 | 40,320,000 |
| Risk-weighted assets | 389,135,000 | 389,726,000 | 394,705,000 | 380,100,000 |