Call reports 2004
SECURITY BANK OF NORTH METRO — 2004
What SECURITY BANK OF NORTH METRO reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 75,315,000 | 87,624,000 | 101,395,000 | 113,781,000 |
| Total loans | 63,545,000 | 70,385,000 | 80,312,000 | 91,770,000 |
| Allowance for loan losses | 781,000 | 879,000 | 1,083,000 | 1,148,000 |
| Securities available for sale | 5,212,000 | 10,475,000 | 10,381,000 | 10,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,153,000 | 72,281,000 | 86,513,000 | 93,300,000 |
| Interest-bearing deposits | 59,253,000 | 68,180,000 | 82,050,000 | 85,980,000 |
| Noninterest-bearing deposits | 3,900,000 | 4,101,000 | 4,463,000 | 7,319,000 |
| Equity capital | 12,021,000 | 12,151,000 | 12,662,000 | 13,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,004,000 | 2,102,000 | 3,507,000 | 5,093,000 |
| Interest expense | 352,000 | 751,000 | 1,261,000 | 1,838,000 |
| Net interest income | 652,000 | 1,351,000 | 2,246,000 | 3,255,000 |
| Noninterest income | 15,000 | 148,000 | 263,000 | 392,000 |
| Noninterest expense | 646,000 | 1,337,000 | 2,009,000 | 2,702,000 |
| Provision for loan losses | 322,000 | 420,000 | 624,000 | 689,000 |
| Pretax income | -301,000 | -258,000 | -124,000 | 256,000 |
| Income tax | 0 | 14,000 | 0 | -775,000 |
| Net income | -301,000 | -272,000 | -124,000 | 1,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,002,000 | 12,248,000 | 12,648,000 | 13,639,000 |
| Total capital | 12,783,000 | 13,127,000 | 13,731,000 | 14,787,000 |
| Risk-weighted assets | 74,209,000 | 79,753,000 | 90,805,000 | 101,288,000 |