Call reports 2004
AMERICAN SECURITY BANK — 2004
What AMERICAN SECURITY BANK 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 | 329,687,000 | 327,090,000 | 336,753,000 | 339,619,000 |
| Total loans | 189,228,000 | 216,084,000 | 244,725,000 | 242,299,000 |
| Allowance for loan losses | 2,595,000 | 2,691,000 | 2,979,000 | 2,824,000 |
| Securities available for sale | 46,158,000 | 53,625,000 | 36,354,000 | 41,525,000 |
| Securities held to maturity | 1,032,000 | 1,024,000 | 1,016,000 | 1,007,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,690,000 | 287,718,000 | 286,198,000 | 285,833,000 |
| Interest-bearing deposits | 160,519,000 | 164,287,000 | 168,854,000 | 169,962,000 |
| Noninterest-bearing deposits | 128,171,000 | 123,431,000 | 117,343,000 | 115,871,000 |
| Equity capital | 38,506,000 | 36,471,000 | 38,483,000 | 41,640,000 |
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 | 3,506,000 | 7,161,000 | 11,540,000 | 16,072,000 |
| Interest expense | 381,000 | 729,000 | 1,167,000 | 1,663,000 |
| Net interest income | 3,125,000 | 6,432,000 | 10,373,000 | 14,409,000 |
| Noninterest income | 434,000 | 944,000 | 1,621,000 | 2,472,000 |
| Noninterest expense | 2,767,000 | 5,481,000 | 8,434,000 | 11,645,000 |
| Provision for loan losses | 0 | 101,000 | 387,000 | 387,000 |
| Pretax income | 792,000 | 1,794,000 | 3,180,000 | 4,673,000 |
| Income tax | 33,000 | 63,000 | 112,000 | 171,000 |
| Net income | 759,000 | 1,731,000 | 3,068,000 | 4,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,362,000 | 22,624,000 | 23,627,000 | 26,980,000 |
| Total capital | 23,957,000 | 25,378,000 | 26,669,000 | 29,881,000 |
| Risk-weighted assets | 208,665,000 | 229,340,000 | 255,126,000 | 251,294,000 |