Call reports 2005
SECURITY BANK USA — 2005
What SECURITY BANK USA 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 | 84,084,000 | 84,989,000 | 87,721,000 | 88,331,000 |
| Total loans | 71,126,000 | 76,751,000 | 77,019,000 | 78,027,000 |
| Allowance for loan losses | 641,000 | 755,000 | 786,000 | 780,000 |
| Securities available for sale | 2,779,000 | 2,586,000 | 2,371,000 | 2,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,106,000 | 71,731,000 | 79,673,000 | 79,963,000 |
| Interest-bearing deposits | 65,456,000 | 62,640,000 | 66,793,000 | 69,760,000 |
| Noninterest-bearing deposits | 8,651,000 | 9,091,000 | 12,880,000 | 10,203,000 |
| Equity capital | 6,841,000 | 6,939,000 | 7,347,000 | 7,595,000 |
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 | 1,266,000 | 2,599,000 | 4,067,000 | 5,614,000 |
| Interest expense | 437,000 | 916,000 | 1,431,000 | 1,986,000 |
| Net interest income | 829,000 | 1,683,000 | 2,636,000 | 3,628,000 |
| Noninterest income | 185,000 | 442,000 | 678,000 | 891,000 |
| Noninterest expense | 595,000 | 1,212,000 | 1,827,000 | 2,541,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 389,000 | 853,000 | 1,397,000 | 1,858,000 |
| Income tax | 1,000 | 2,000 | 2,000 | 3,000 |
| Net income | 388,000 | 851,000 | 1,395,000 | 1,855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,872,000 | 6,963,000 | 7,378,000 | 7,639,000 |
| Total capital | 7,513,000 | 7,718,000 | 8,164,000 | 8,419,000 |
| Risk-weighted assets | 72,042,000 | 76,939,000 | 78,219,000 | 78,351,000 |