Call reports 2003
SECURITY FIRST BANK — 2003
What SECURITY FIRST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 434,945,000 | 434,492,000 | 449,032,000 | 452,693,000 |
| Total loans | 313,795,000 | 331,722,000 | 335,518,000 | 327,980,000 |
| Allowance for loan losses | 5,137,000 | 5,615,000 | 5,891,000 | 5,181,000 |
| Securities available for sale | 52,195,000 | 46,672,000 | 46,377,000 | 54,823,000 |
| Securities held to maturity | 729,000 | 484,000 | 464,000 | 464,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,698,000 | 344,743,000 | 356,969,000 | 363,564,000 |
| Interest-bearing deposits | 296,098,000 | 298,890,000 | 312,653,000 | 313,197,000 |
| Noninterest-bearing deposits | 43,600,000 | 45,853,000 | 44,316,000 | 50,367,000 |
| Equity capital | 42,047,000 | 42,589,000 | 42,545,000 | 42,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,424,000 | 12,693,000 | 18,938,000 | 25,076,000 |
| Interest expense | 2,508,000 | 4,870,000 | 7,239,000 | 9,564,000 |
| Net interest income | 3,916,000 | 7,823,000 | 11,699,000 | 15,512,000 |
| Noninterest income | 2,711,000 | 5,398,000 | 8,471,000 | 11,542,000 |
| Noninterest expense | 4,601,000 | 9,599,000 | 15,109,000 | 20,258,000 |
| Provision for loan losses | 485,000 | 1,090,000 | 2,290,000 | 4,090,000 |
| Pretax income | 1,576,000 | 2,567,000 | 2,803,000 | 2,731,000 |
| Income tax | 398,000 | 625,000 | 596,000 | 360,000 |
| Net income | 1,178,000 | 1,942,000 | 2,207,000 | 2,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,817,000 | 32,319,000 | 31,942,000 | 32,157,000 |
| Total capital | 36,072,000 | 36,652,000 | 36,342,000 | 36,486,000 |
| Risk-weighted assets | 339,503,000 | 345,362,000 | 350,469,000 | 345,447,000 |