Call reports 2004
SECURANT BANK & TRUST — 2004
What SECURANT BANK & TRUST 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 | 156,647,000 | 153,001,000 | 150,400,000 | 146,552,000 |
| Total loans | 115,513,000 | 115,517,000 | 113,567,000 | 113,038,000 |
| Allowance for loan losses | 2,039,000 | 1,294,000 | 1,456,000 | 1,402,000 |
| Securities available for sale | 21,505,000 | 20,335,000 | 18,702,000 | 18,240,000 |
| Securities held to maturity | 255,000 | 190,000 | 135,000 | 91,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,590,000 | 134,176,000 | 131,136,000 | 127,371,000 |
| Interest-bearing deposits | 113,457,000 | 108,870,000 | 106,058,000 | 106,933,000 |
| Noninterest-bearing deposits | 24,133,000 | 25,306,000 | 25,078,000 | 20,438,000 |
| Equity capital | 14,066,000 | 13,662,000 | 13,996,000 | 13,943,000 |
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 | 1,975,000 | 3,984,000 | 5,958,000 | 7,969,000 |
| Interest expense | 556,000 | 1,101,000 | 1,673,000 | 2,274,000 |
| Net interest income | 1,419,000 | 2,883,000 | 4,285,000 | 5,695,000 |
| Noninterest income | 185,000 | 403,000 | 633,000 | 815,000 |
| Noninterest expense | 1,319,000 | 2,539,000 | 3,849,000 | 5,142,000 |
| Provision for loan losses | 95,000 | 258,000 | 690,000 | 1,180,000 |
| Pretax income | 190,000 | 489,000 | 445,000 | 254,000 |
| Income tax | 31,000 | 109,000 | 61,000 | -48,000 |
| Net income | 159,000 | 380,000 | 384,000 | 302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,991,000 | 12,991,000 | 13,144,000 | 13,144,000 |
| Total capital | 14,528,000 | 14,357,000 | 14,668,000 | 14,618,000 |
| Risk-weighted assets | 121,777,000 | 123,744,000 | 121,940,000 | 120,001,000 |