Call reports 2005
SECURITY BUSINESS BANK OF SAN DIEGO — 2005
What SECURITY BUSINESS BANK OF SAN DIEGO 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 | 100,661,000 | 105,728,000 | 116,669,000 | 123,903,000 |
| Total loans | 73,861,000 | 80,889,000 | 85,401,000 | 95,271,000 |
| Allowance for loan losses | 995,000 | 1,124,000 | 1,206,000 | 1,246,000 |
| Securities available for sale | 16,354,000 | 14,930,000 | 14,202,000 | 14,455,000 |
| Securities held to maturity | 2,245,000 | 1,746,000 | 1,747,000 | 1,747,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,919,000 | 83,096,000 | 94,712,000 | 105,493,000 |
| Interest-bearing deposits | 49,323,000 | 48,067,000 | 53,975,000 | 55,395,000 |
| Noninterest-bearing deposits | 29,596,000 | 35,029,000 | 40,737,000 | 50,098,000 |
| Equity capital | 15,342,000 | 16,745,000 | 17,020,000 | 17,233,000 |
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 | 1,427,000 | 3,086,000 | 4,969,000 | 6,909,000 |
| Interest expense | 183,000 | 430,000 | 704,000 | 969,000 |
| Net interest income | 1,244,000 | 2,656,000 | 4,265,000 | 5,940,000 |
| Noninterest income | 118,000 | 202,000 | 270,000 | 347,000 |
| Noninterest expense | 988,000 | 2,011,000 | 3,072,000 | 4,235,000 |
| Provision for loan losses | 145,000 | 274,000 | 356,000 | 396,000 |
| Pretax income | 229,000 | 545,000 | 1,079,000 | 1,628,000 |
| Income tax | 0 | -900,000 | -684,000 | -433,000 |
| Net income | 229,000 | 1,445,000 | 1,763,000 | 2,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,392,000 | 16,260,000 | 16,786,000 | 17,015,000 |
| Total capital | 16,387,000 | 17,390,000 | 17,979,000 | 18,270,000 |
| Risk-weighted assets | 90,534,000 | 98,727,000 | 101,752,000 | 112,752,000 |