Call reports 2003
SECURITY NATIONAL BANK AND TRUST COMPANY — 2003
What SECURITY NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 935,513,000 | 863,303,000 | 848,435,000 | 906,934,000 |
| Total loans | 461,042,000 | 447,217,000 | 434,985,000 | 436,872,000 |
| Allowance for loan losses | 11,252,000 | 11,546,000 | 11,582,000 | 10,126,000 |
| Securities available for sale | 265,384,000 | 267,783,000 | 212,904,000 | 331,896,000 |
| Securities held to maturity | 141,260,000 | 70,524,000 | 40,937,000 | 32,323,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 597,004,000 | 579,710,000 | 579,561,000 | 572,031,000 |
| Interest-bearing deposits | 495,229,000 | 478,386,000 | 476,410,000 | 462,586,000 |
| Noninterest-bearing deposits | 101,775,000 | 101,324,000 | 103,151,000 | 109,445,000 |
| Equity capital | 56,582,000 | 61,252,000 | 61,977,000 | 51,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 12,125,000 | 23,948,000 | 34,998,000 | 45,657,000 |
| Interest expense | 3,723,000 | 7,341,000 | 10,737,000 | 14,026,000 |
| Net interest income | 8,402,000 | 16,607,000 | 24,261,000 | 31,631,000 |
| Noninterest income | 2,536,000 | 5,382,000 | 7,803,000 | 8,774,000 |
| Noninterest expense | 5,228,000 | 10,191,000 | 15,469,000 | 20,339,000 |
| Provision for loan losses | 405,000 | 810,000 | 1,215,000 | 1,471,000 |
| Pretax income | 5,186,000 | 11,059,000 | 15,116,000 | 18,258,000 |
| Income tax | 1,693,000 | 3,592,000 | 4,877,000 | 5,892,000 |
| Net income | 3,493,000 | 7,467,000 | 10,239,000 | 12,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,559,000 | 55,387,000 | 58,673,000 | 45,027,000 |
| Total capital | 72,359,000 | 77,333,000 | 80,156,000 | 68,609,000 |
| Risk-weighted assets | 580,044,000 | 559,802,000 | 554,045,000 | 567,900,000 |