Call reports 2009
HABERSHAM BANK — 2009
What HABERSHAM BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 510,678,000 | 515,863,000 | 488,704,000 | 455,881,000 |
| Total loans | 322,550,000 | 308,347,000 | 295,646,000 | 276,995,000 |
| Allowance for loan losses | 11,223,000 | 7,517,000 | 10,378,000 | 12,106,000 |
| Securities available for sale | 98,915,000 | 94,143,000 | 86,907,000 | 74,457,000 |
| Securities held to maturity | 1,023,000 | 1,020,000 | 1,019,000 | 881,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 418,629,000 | 420,681,000 | 404,890,000 | 391,541,000 |
| Interest-bearing deposits | 400,782,000 | 399,363,000 | 392,086,000 | 373,386,000 |
| Noninterest-bearing deposits | 17,847,000 | 21,318,000 | 12,804,000 | 18,155,000 |
| Equity capital | 37,191,000 | 35,882,000 | 33,111,000 | 15,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,676,000 | 10,991,000 | 16,117,000 | 20,356,000 |
| Interest expense | 3,217,000 | 6,379,000 | 9,367,000 | 11,747,000 |
| Net interest income | 2,459,000 | 4,612,000 | 6,750,000 | 8,609,000 |
| Noninterest income | 569,000 | 979,000 | 831,000 | -1,263,000 |
| Noninterest expense | 4,178,000 | 8,313,000 | 12,703,000 | 16,533,000 |
| Provision for loan losses | 1,780,000 | 3,080,000 | 10,480,000 | 13,476,000 |
| Pretax income | -2,872,000 | -5,488,000 | -15,233,000 | -22,150,000 |
| Income tax | -1,214,000 | -2,279,000 | -6,140,000 | 4,115,000 |
| Net income | -1,658,000 | -3,209,000 | -9,093,000 | -26,265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,387,000 | 30,956,000 | 23,404,000 | 14,570,000 |
| Total capital | 38,278,000 | 35,664,000 | 27,871,000 | 18,794,000 |
| Risk-weighted assets | 384,929,000 | 373,862,000 | 350,968,000 | 330,074,000 |