Call reports 2005
SECURITY NATIONAL BANK AND TRUST COMPANY — 2005
What SECURITY NATIONAL BANK AND TRUST COMPANY 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 | 899,395,000 | 943,294,000 | 901,113,000 | 924,484,000 |
| Total loans | 438,808,000 | 435,091,000 | 434,323,000 | 439,698,000 |
| Allowance for loan losses | 9,677,000 | 9,634,000 | 9,504,000 | 9,377,000 |
| Securities available for sale | 319,654,000 | 305,314,000 | 284,170,000 | 268,393,000 |
| Securities held to maturity | 68,704,000 | 66,105,000 | 59,768,000 | 55,387,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 575,929,000 | 592,776,000 | 581,580,000 | 578,404,000 |
| Interest-bearing deposits | 461,250,000 | 477,053,000 | 469,516,000 | 462,356,000 |
| Noninterest-bearing deposits | 114,679,000 | 115,723,000 | 112,064,000 | 116,048,000 |
| Equity capital | 51,919,000 | 58,340,000 | 58,961,000 | 47,736,000 |
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 | 11,655,000 | 24,167,000 | 36,636,000 | 49,282,000 |
| Interest expense | 4,094,000 | 8,646,000 | 13,411,000 | 18,471,000 |
| Net interest income | 7,561,000 | 15,521,000 | 23,225,000 | 30,811,000 |
| Noninterest income | 2,057,000 | 4,539,000 | 6,819,000 | 8,873,000 |
| Noninterest expense | 4,821,000 | 9,770,000 | 14,645,000 | 19,658,000 |
| Provision for loan losses | -5,000 | 165,000 | 335,000 | 1,005,000 |
| Pretax income | 4,802,000 | 10,132,000 | 15,071,000 | 19,028,000 |
| Income tax | 1,564,000 | 3,315,000 | 4,929,000 | 6,231,000 |
| Net income | 3,238,000 | 6,817,000 | 10,142,000 | 12,797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,893,000 | 56,281,000 | 60,015,000 | 48,377,000 |
| Total capital | 73,751,000 | 77,484,000 | 80,904,000 | 70,779,000 |
| Risk-weighted assets | 512,113,000 | 512,409,000 | 508,035,000 | 513,710,000 |