Call reports 2003
SECURANT BANK & TRUST — 2003
What SECURANT BANK & TRUST 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 | 173,330,000 | 180,907,000 | 156,656,000 | 152,650,000 |
| Total loans | 131,911,000 | 124,338,000 | 120,916,000 | 116,924,000 |
| Allowance for loan losses | 2,231,000 | 2,315,000 | 2,557,000 | 2,094,000 |
| Securities available for sale | 18,977,000 | 16,833,000 | 18,722,000 | 20,693,000 |
| Securities held to maturity | 675,000 | 536,000 | 410,000 | 316,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,501,000 | 160,473,000 | 137,831,000 | 131,967,000 |
| Interest-bearing deposits | 127,200,000 | 130,183,000 | 114,707,000 | 109,573,000 |
| Noninterest-bearing deposits | 27,301,000 | 30,290,000 | 23,124,000 | 22,394,000 |
| Equity capital | 14,093,000 | 14,226,000 | 13,856,000 | 13,908,000 |
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 | 2,421,000 | 4,739,000 | 6,979,000 | 9,111,000 |
| Interest expense | 850,000 | 1,662,000 | 2,391,000 | 3,033,000 |
| Net interest income | 1,571,000 | 3,077,000 | 4,588,000 | 6,078,000 |
| Noninterest income | 332,000 | 615,000 | 918,000 | 1,110,000 |
| Noninterest expense | 1,437,000 | 2,809,000 | 4,049,000 | 5,405,000 |
| Provision for loan losses | 32,000 | 187,000 | 717,000 | 767,000 |
| Pretax income | 434,000 | 696,000 | 911,000 | 1,187,000 |
| Income tax | 118,000 | 167,000 | 199,000 | 253,000 |
| Net income | 316,000 | 529,000 | 712,000 | 934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,991,000 | 12,991,000 | 12,991,000 | 12,991,000 |
| Total capital | 14,751,000 | 14,726,000 | 14,661,000 | 14,583,000 |
| Risk-weighted assets | 140,263,000 | 138,127,000 | 132,603,000 | 126,801,000 |