Call reports 2004
SECURITY BUSINESS BANK OF SAN DIEGO — 2004
What SECURITY BUSINESS BANK OF SAN DIEGO 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 | 54,278,000 | 71,820,000 | 79,399,000 | 92,039,000 |
| Total loans | 36,931,000 | 45,781,000 | 59,178,000 | 65,374,000 |
| Allowance for loan losses | 481,000 | 605,000 | 755,000 | 850,000 |
| Securities available for sale | 4,382,000 | 6,041,000 | 8,189,000 | 18,116,000 |
| Securities held to maturity | 1,746,000 | 4,495,000 | 2,411,000 | 2,245,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,449,000 | 56,506,000 | 64,062,000 | 70,277,000 |
| Interest-bearing deposits | 31,702,000 | 37,073,000 | 37,144,000 | 43,448,000 |
| Noninterest-bearing deposits | 15,747,000 | 19,433,000 | 26,918,000 | 26,829,000 |
| Equity capital | 6,681,000 | 15,050,000 | 15,144,000 | 15,288,000 |
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 | 611,000 | 1,322,000 | 2,262,000 | 3,464,000 |
| Interest expense | 71,000 | 143,000 | 214,000 | 332,000 |
| Net interest income | 545,000 | 1,179,000 | 2,048,000 | 3,132,000 |
| Noninterest income | 61,000 | 204,000 | 286,000 | 468,000 |
| Noninterest expense | 707,000 | 1,416,000 | 2,170,000 | 3,148,000 |
| Provision for loan losses | 41,000 | 165,000 | 315,000 | 410,000 |
| Pretax income | -142,000 | -198,000 | -151,000 | 42,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -143,000 | -199,000 | -152,000 | 41,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,472,000 | 14,903,000 | 14,958,000 | 15,163,000 |
| Total capital | 6,953,000 | 15,508,000 | 15,713,000 | 16,013,000 |
| Risk-weighted assets | 49,784,000 | 61,565,000 | 74,285,000 | 80,949,000 |