Call reports 2004
SECURITY BANK USA — 2004
What SECURITY BANK USA 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 | 78,071,000 | 76,865,000 | 80,236,000 | 81,741,000 |
| Total loans | 67,437,000 | 67,945,000 | 71,200,000 | 72,224,000 |
| Allowance for loan losses | 502,000 | 530,000 | 636,000 | 611,000 |
| Securities available for sale | 5,475,000 | 4,370,000 | 3,968,000 | 3,599,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,070,000 | 69,595,000 | 68,475,000 | 68,593,000 |
| Interest-bearing deposits | 63,432,000 | 60,505,000 | 58,808,000 | 59,971,000 |
| Noninterest-bearing deposits | 7,638,000 | 9,090,000 | 9,667,000 | 8,622,000 |
| Equity capital | 6,450,000 | 6,378,000 | 6,649,000 | 6,893,000 |
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 | 1,064,000 | 2,092,000 | 3,230,000 | 4,405,000 |
| Interest expense | 378,000 | 754,000 | 1,132,000 | 1,539,000 |
| Net interest income | 686,000 | 1,338,000 | 2,098,000 | 2,866,000 |
| Noninterest income | 195,000 | 432,000 | 646,000 | 862,000 |
| Noninterest expense | 625,000 | 1,227,000 | 1,849,000 | 2,539,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 226,000 | 483,000 | 805,000 | 1,069,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 225,000 | 482,000 | 803,000 | 1,067,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,394,000 | 6,403,000 | 6,637,000 | 6,902,000 |
| Total capital | 6,896,000 | 6,933,000 | 7,273,000 | 7,513,000 |
| Risk-weighted assets | 68,191,000 | 68,630,000 | 70,506,000 | 71,755,000 |