Call reports 2005
SECURITY BANK AND TRUST COMPANY — 2005
What SECURITY BANK AND TRUST COMPANY 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 | 132,070,000 | 134,038,000 | 137,555,000 | 140,522,000 |
| Total loans | 93,996,000 | 94,541,000 | 92,298,000 | 92,238,000 |
| Allowance for loan losses | 690,000 | 675,000 | 675,000 | 719,000 |
| Securities available for sale | 17,330,000 | 16,094,000 | 16,389,000 | 18,258,000 |
| Securities held to maturity | 3,492,000 | 3,188,000 | 2,987,000 | 2,988,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,534,000 | 120,164,000 | 123,248,000 | 126,096,000 |
| Interest-bearing deposits | 105,143,000 | 105,463,000 | 105,997,000 | 108,813,000 |
| Noninterest-bearing deposits | 13,391,000 | 14,701,000 | 17,251,000 | 17,283,000 |
| Equity capital | 12,317,000 | 12,884,000 | 13,198,000 | 13,221,000 |
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 | 1,734,000 | 3,596,000 | 5,506,000 | 7,539,000 |
| Interest expense | 429,000 | 900,000 | 1,441,000 | 2,050,000 |
| Net interest income | 1,305,000 | 2,696,000 | 4,065,000 | 5,489,000 |
| Noninterest income | 277,000 | 595,000 | 859,000 | 1,083,000 |
| Noninterest expense | 792,000 | 1,503,000 | 2,230,000 | 3,417,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 790,000 | 1,788,000 | 2,694,000 | 3,155,000 |
| Income tax | 273,000 | 574,000 | 897,000 | 1,052,000 |
| Net income | 517,000 | 1,214,000 | 1,797,000 | 2,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,988,000 | 12,897,000 | 13,285,000 | 13,373,000 |
| Total capital | 12,678,000 | 13,572,000 | 13,960,000 | 14,092,000 |
| Risk-weighted assets | 94,118,000 | 94,487,000 | 93,743,000 | 93,518,000 |