Call reports 2006
AMERICAN SECURITY BANK & TRUST COMPANY — 2006
What AMERICAN SECURITY BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 87,029,000 | 92,961,000 | 102,700,000 | 114,710,000 |
| Total loans | 59,227,000 | 73,079,000 | 78,452,000 | 92,656,000 |
| Allowance for loan losses | 740,000 | 913,000 | 981,000 | 1,189,000 |
| Securities available for sale | 12,111,000 | 12,207,000 | 14,259,000 | 14,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,080,000 | 66,543,000 | 79,142,000 | 90,603,000 |
| Interest-bearing deposits | 52,330,000 | 57,479,000 | 69,824,000 | 78,850,000 |
| Noninterest-bearing deposits | 11,750,000 | 9,065,000 | 9,318,000 | 11,753,000 |
| Equity capital | 22,701,000 | 22,593,000 | 23,039,000 | 23,340,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,189,000 | 2,673,000 | 4,420,000 | 6,375,000 |
| Interest expense | 486,000 | 1,038,000 | 1,783,000 | 2,681,000 |
| Net interest income | 703,000 | 1,635,000 | 2,637,000 | 3,694,000 |
| Noninterest income | 49,000 | 91,000 | 110,000 | 175,000 |
| Noninterest expense | 713,000 | 1,451,000 | 2,249,000 | 3,183,000 |
| Provision for loan losses | 136,000 | 310,000 | 377,000 | 586,000 |
| Pretax income | -97,000 | -35,000 | 121,000 | 96,000 |
| Income tax | 0 | 0 | 0 | -246,000 |
| Net income | -97,000 | -35,000 | 121,000 | 342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,949,000 | 23,015,000 | 23,208,000 | 23,483,000 |
| Total capital | 23,689,000 | 23,928,000 | 24,189,000 | 24,672,000 |
| Risk-weighted assets | 75,015,000 | 86,059,000 | 91,536,000 | 108,099,000 |