Call reports 2005
SECURITY BANK OF NORTH FULTON — 2005
What SECURITY BANK OF NORTH FULTON reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 73,414,000 | 94,352,000 | 105,285,000 | 114,747,000 |
| Total loans | 58,682,000 | 75,944,000 | 89,493,000 | 99,096,000 |
| Allowance for loan losses | 638,000 | 820,000 | 1,000,000 | 1,100,000 |
| Securities available for sale | 2,336,000 | 3,371,000 | 3,319,000 | 3,283,000 |
| Securities held to maturity | 2,982,000 | 1,992,000 | 1,993,000 | 1,993,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,514,000 | 85,189,000 | 95,801,000 | 104,200,000 |
| Interest-bearing deposits | 59,819,000 | 78,779,000 | 90,186,000 | 98,008,000 |
| Noninterest-bearing deposits | 4,695,000 | 6,410,000 | 5,615,000 | 6,191,000 |
| Equity capital | 8,712,000 | 8,855,000 | 9,165,000 | 10,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,033,000 | 2,417,000 | 4,343,000 | 6,570,000 |
| Interest expense | 417,000 | 1,013,000 | 1,780,000 | 2,723,000 |
| Net interest income | 616,000 | 1,404,000 | 2,563,000 | 3,847,000 |
| Noninterest income | 51,000 | 101,000 | 138,000 | 195,000 |
| Noninterest expense | 502,000 | 1,050,000 | 1,735,000 | 2,417,000 |
| Provision for loan losses | 128,000 | 310,000 | 490,000 | 590,000 |
| Pretax income | 37,000 | 145,000 | 476,000 | 1,035,000 |
| Income tax | 0 | 0 | 0 | -446,000 |
| Net income | 37,000 | 145,000 | 476,000 | 1,481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,737,000 | 8,845,000 | 9,177,000 | 10,182,000 |
| Total capital | 9,375,000 | 9,665,000 | 10,177,000 | 11,282,000 |
| Risk-weighted assets | 66,754,000 | 85,290,000 | 99,511,000 | 110,722,000 |