Call reports 2004
SECURITY BANK OF NORTH FULTON — 2004
What SECURITY BANK OF NORTH FULTON 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 | 24,363,000 | 28,929,000 | 44,360,000 | 56,774,000 |
| Total loans | 14,851,000 | 19,802,000 | 35,768,000 | 48,032,000 |
| Allowance for loan losses | 165,000 | 211,000 | 398,000 | 510,000 |
| Securities available for sale | 1,435,000 | 1,358,000 | 1,328,000 | 404,000 |
| Securities held to maturity | 0 | 1,979,000 | 1,981,000 | 2,981,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,070,000 | 19,850,000 | 34,929,000 | 47,084,000 |
| Interest-bearing deposits | 12,599,000 | 17,732,000 | 32,348,000 | 43,588,000 |
| Noninterest-bearing deposits | 2,471,000 | 2,118,000 | 2,581,000 | 3,496,000 |
| Equity capital | 9,271,000 | 9,050,000 | 8,838,000 | 8,694,000 |
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 | 189,000 | 496,000 | 988,000 | 1,732,000 |
| Interest expense | 34,000 | 125,000 | 285,000 | 560,000 |
| Net interest income | 155,000 | 371,000 | 703,000 | 1,172,000 |
| Noninterest income | 2,000 | 10,000 | 68,000 | 87,000 |
| Noninterest expense | 358,000 | 711,000 | 1,161,000 | 1,686,000 |
| Provision for loan losses | 120,000 | 166,000 | 353,000 | 465,000 |
| Pretax income | -321,000 | -496,000 | -743,000 | -891,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -321,000 | -496,000 | -743,000 | -891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,270,000 | 9,095,000 | 8,849,000 | 8,701,000 |
| Total capital | 9,435,000 | 9,306,000 | 9,247,000 | 9,211,000 |
| Risk-weighted assets | 18,866,000 | 24,773,000 | 42,293,000 | 55,010,000 |
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