Call reports 2007
SECURITY BANK AND TRUST COMPANY — 2007
What SECURITY BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 154,372,000 | 155,987,000 | 156,819,000 | 158,850,000 |
| Total loans | 103,635,000 | 109,107,000 | 115,334,000 | 112,185,000 |
| Allowance for loan losses | 722,000 | 710,000 | 715,000 | 711,000 |
| Securities available for sale | 13,742,000 | 15,842,000 | 13,190,000 | 13,031,000 |
| Securities held to maturity | 2,890,000 | 2,876,000 | 2,877,000 | 2,857,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,786,000 | 138,548,000 | 137,221,000 | 141,510,000 |
| Interest-bearing deposits | 118,325,000 | 118,599,000 | 117,781,000 | 121,076,000 |
| Noninterest-bearing deposits | 19,461,000 | 19,949,000 | 19,440,000 | 20,434,000 |
| Equity capital | 14,825,000 | 15,117,000 | 15,573,000 | 15,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,343,000 | 4,834,000 | 7,413,000 | 9,917,000 |
| Interest expense | 1,005,000 | 2,066,000 | 3,188,000 | 4,252,000 |
| Net interest income | 1,338,000 | 2,768,000 | 4,225,000 | 5,665,000 |
| Noninterest income | 252,000 | 521,000 | 746,000 | 1,000,000 |
| Noninterest expense | 731,000 | 1,463,000 | 2,209,000 | 3,338,000 |
| Provision for loan losses | 0 | 26,000 | 26,000 | 26,000 |
| Pretax income | 859,000 | 1,800,000 | 2,734,000 | 3,299,000 |
| Income tax | 298,000 | 633,000 | 959,000 | 1,151,000 |
| Net income | 561,000 | 1,167,000 | 1,775,000 | 2,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,908,000 | 15,249,000 | 15,596,000 | 15,707,000 |
| Total capital | 15,630,000 | 15,959,000 | 16,311,000 | 16,418,000 |
| Risk-weighted assets | 108,146,000 | 110,846,000 | 114,819,000 | 111,629,000 |