Call reports 2008
SECURITY NATIONAL BANK AND TRUST COMPANY — 2008
What SECURITY NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Total assets | 826,673,000 | 808,203,000 |
| Total loans | 454,244,000 | 466,895,000 |
| Allowance for loan losses | 8,224,000 | 8,309,000 |
| Securities available for sale | 195,107,000 | 182,156,000 |
| Securities held to maturity | 46,131,000 | 44,100,000 |
| Trading assets | 0 | 0 |
| Total deposits | 581,220,000 | 567,532,000 |
| Interest-bearing deposits | 458,714,000 | 441,792,000 |
| Noninterest-bearing deposits | 122,506,000 | 125,740,000 |
| Equity capital | 49,356,000 | 50,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Interest income | 11,656,000 | 22,645,000 |
| Interest expense | 4,491,000 | 8,002,000 |
| Net interest income | 7,165,000 | 14,643,000 |
| Noninterest income | 2,897,000 | 5,249,000 |
| Noninterest expense | 5,587,000 | 10,642,000 |
| Provision for loan losses | 340,000 | 720,000 |
| Pretax income | 4,135,000 | 8,530,000 |
| Income tax | 1,284,000 | 2,693,000 |
| Net income | 2,851,000 | 5,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Tier 1 capital | 48,142,000 | 51,738,000 |
| Total capital | 56,080,000 | 59,381,000 |
| Risk-weighted assets | 514,945,000 | 534,701,000 |