Call reports 2004
SECURITY NATIONAL BANK AND TRUST COMPANY — 2004
What SECURITY NATIONAL BANK AND TRUST COMPANY 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 | 916,868,000 | 897,275,000 | 911,008,000 | 915,948,000 |
| Total loans | 433,247,000 | 428,038,000 | 432,163,000 | 436,718,000 |
| Allowance for loan losses | 10,197,000 | 10,188,000 | 10,211,000 | 9,597,000 |
| Securities available for sale | 320,874,000 | 342,099,000 | 333,393,000 | 340,150,000 |
| Securities held to maturity | 29,372,000 | 20,637,000 | 36,265,000 | 33,156,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 579,966,000 | 571,150,000 | 577,661,000 | 571,580,000 |
| Interest-bearing deposits | 471,775,000 | 461,454,000 | 467,592,000 | 456,235,000 |
| Noninterest-bearing deposits | 108,191,000 | 109,696,000 | 110,069,000 | 115,345,000 |
| Equity capital | 56,323,000 | 52,399,000 | 60,519,000 | 52,202,000 |
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 | 11,404,000 | 22,264,000 | 33,912,000 | 45,573,000 |
| Interest expense | 3,382,000 | 6,647,000 | 10,020,000 | 13,634,000 |
| Net interest income | 8,022,000 | 15,617,000 | 23,892,000 | 31,939,000 |
| Noninterest income | 1,931,000 | 4,124,000 | 6,152,000 | 8,257,000 |
| Noninterest expense | 5,067,000 | 9,965,000 | 14,915,000 | 19,832,000 |
| Provision for loan losses | 85,000 | 220,000 | 475,000 | 430,000 |
| Pretax income | 4,801,000 | 9,556,000 | 14,654,000 | 19,934,000 |
| Income tax | 1,567,000 | 3,126,000 | 4,750,000 | 6,485,000 |
| Net income | 3,234,000 | 6,430,000 | 9,904,000 | 13,449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,007,000 | 52,941,000 | 57,206,000 | 47,904,000 |
| Total capital | 72,009,000 | 75,292,000 | 78,821,000 | 70,311,000 |
| Risk-weighted assets | 569,189,000 | 564,270,000 | 555,836,000 | 508,123,000 |