Call reports 2010
HABERSHAM BANK — 2010
What HABERSHAM BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 436,189,000 | 409,137,000 | 395,919,000 | 387,681,000 |
| Total loans | 264,824,000 | 252,076,000 | 239,277,000 | 223,711,000 |
| Allowance for loan losses | 7,883,000 | 8,774,000 | 5,817,000 | 6,643,000 |
| Securities available for sale | 76,377,000 | 59,631,000 | 60,646,000 | 62,849,000 |
| Securities held to maturity | 533,000 | 520,000 | 520,000 | 520,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 369,694,000 | 344,433,000 | 334,247,000 | 339,934,000 |
| Interest-bearing deposits | 354,965,000 | 326,542,000 | 314,541,000 | 307,692,000 |
| Noninterest-bearing deposits | 14,729,000 | 17,891,000 | 19,706,000 | 32,242,000 |
| Equity capital | 13,853,000 | 11,257,000 | 9,323,000 | 2,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,410,000 | 8,516,000 | 12,085,000 | 15,736,000 |
| Interest expense | 1,987,000 | 3,600,000 | 5,016,000 | 6,236,000 |
| Net interest income | 2,423,000 | 4,916,000 | 7,069,000 | 9,500,000 |
| Noninterest income | 457,000 | 653,000 | 735,000 | -286,000 |
| Noninterest expense | 3,248,000 | 6,568,000 | 9,998,000 | 13,644,000 |
| Provision for loan losses | 2,400,000 | 4,691,000 | 5,440,000 | 9,133,000 |
| Pretax income | -2,463,000 | -5,019,000 | -6,452,000 | -12,293,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -2,463,000 | -5,019,000 | -6,452,000 | -12,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,225,000 | 10,686,000 | 9,268,000 | 3,442,000 |
| Total capital | 17,184,000 | 14,501,000 | 12,919,000 | 6,884,000 |
| Risk-weighted assets | 312,832,000 | 300,247,000 | 289,890,000 | 278,605,000 |