Call reports 2004
SECURITY BANK AND TRUST COMPANY — 2004
What SECURITY BANK AND TRUST COMPANY 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 | 126,651,000 | 129,627,000 | 128,337,000 | 128,347,000 |
| Total loans | 89,182,000 | 93,148,000 | 93,755,000 | 93,911,000 |
| Allowance for loan losses | 668,000 | 634,000 | 703,000 | 670,000 |
| Securities available for sale | 15,714,000 | 15,915,000 | 16,069,000 | 15,538,000 |
| Securities held to maturity | 3,866,000 | 3,664,000 | 3,665,000 | 3,491,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,895,000 | 116,840,000 | 111,588,000 | 111,970,000 |
| Interest-bearing deposits | 103,164,000 | 103,111,000 | 97,687,000 | 99,435,000 |
| Noninterest-bearing deposits | 10,731,000 | 13,729,000 | 13,901,000 | 12,535,000 |
| Equity capital | 11,841,000 | 11,839,000 | 12,188,000 | 12,281,000 |
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 | 1,642,000 | 3,353,000 | 5,079,000 | 6,840,000 |
| Interest expense | 452,000 | 856,000 | 1,225,000 | 1,610,000 |
| Net interest income | 1,190,000 | 2,497,000 | 3,854,000 | 5,230,000 |
| Noninterest income | 281,000 | 542,000 | 931,000 | 1,264,000 |
| Noninterest expense | 803,000 | 1,588,000 | 2,333,000 | 3,429,000 |
| Provision for loan losses | 0 | 0 | 65,000 | 65,000 |
| Pretax income | 668,000 | 1,451,000 | 2,387,000 | 3,000,000 |
| Income tax | 230,000 | 502,000 | 828,000 | 1,052,000 |
| Net income | 438,000 | 949,000 | 1,559,000 | 1,948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,058,000 | 11,446,000 | 11,674,000 | 11,868,000 |
| Total capital | 11,726,000 | 12,080,000 | 12,377,000 | 12,538,000 |
| Risk-weighted assets | 87,808,000 | 91,538,000 | 91,789,000 | 92,720,000 |