Call reports 2005
AMERICAN SECURITY BANK & TRUST COMPANY — 2005
What AMERICAN SECURITY BANK & 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 | 43,644,000 | 50,728,000 | 53,914,000 | 70,175,000 |
| Total loans | 23,368,000 | 29,072,000 | 36,161,000 | 48,404,000 |
| Allowance for loan losses | 293,000 | 364,000 | 452,000 | 606,000 |
| Securities available for sale | 8,872,000 | 8,839,000 | 10,093,000 | 9,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,939,000 | 40,190,000 | 43,524,000 | 60,078,000 |
| Interest-bearing deposits | 26,422,000 | 32,073,000 | 35,479,000 | 52,021,000 |
| Noninterest-bearing deposits | 6,517,000 | 8,117,000 | 8,045,000 | 8,057,000 |
| Equity capital | 10,541,000 | 10,413,000 | 10,206,000 | 9,797,000 |
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 | 461,000 | 1,023,000 | 1,786,000 | 2,710,000 |
| Interest expense | 177,000 | 393,000 | 674,000 | 1,036,000 |
| Net interest income | 284,000 | 630,000 | 1,112,000 | 1,674,000 |
| Noninterest income | 40,000 | 92,000 | 140,000 | 179,000 |
| Noninterest expense | 479,000 | 1,037,000 | 1,632,000 | 2,400,000 |
| Provision for loan losses | 48,000 | 119,000 | 207,000 | 361,000 |
| Pretax income | -203,000 | -434,000 | -587,000 | -908,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -198,000 | -429,000 | -582,000 | -903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,675,000 | 10,450,000 | 10,304,000 | 9,990,000 |
| Total capital | 10,968,000 | 10,814,000 | 10,756,000 | 10,596,000 |
| Risk-weighted assets | 31,172,000 | 37,499,000 | 47,908,000 | 62,551,000 |