Call reports 2005
AMERICAN SECURITY BANK — 2005
What AMERICAN SECURITY BANK 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 | 353,147,000 | 356,809,000 | 384,845,000 | 376,248,000 |
| Total loans | 256,652,000 | 288,490,000 | 277,991,000 | 291,363,000 |
| Allowance for loan losses | 2,881,000 | 3,163,000 | 3,003,000 | 3,209,000 |
| Securities available for sale | 27,974,000 | 26,033,000 | 33,764,000 | 41,220,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,791,000 | 303,491,000 | 335,728,000 | 327,307,000 |
| Interest-bearing deposits | 179,457,000 | 190,739,000 | 220,548,000 | 210,590,000 |
| Noninterest-bearing deposits | 120,334,000 | 112,752,000 | 115,180,000 | 116,717,000 |
| Equity capital | 42,647,000 | 42,393,000 | 43,560,000 | 43,678,000 |
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 | 4,678,000 | 9,902,000 | 15,555,000 | 21,669,000 |
| Interest expense | 561,000 | 1,264,000 | 2,181,000 | 3,310,000 |
| Net interest income | 4,117,000 | 8,638,000 | 13,374,000 | 18,359,000 |
| Noninterest income | 655,000 | 1,333,000 | 1,935,000 | 2,463,000 |
| Noninterest expense | 3,262,000 | 6,431,000 | 9,592,000 | 12,960,000 |
| Provision for loan losses | 65,000 | 380,000 | 751,000 | 950,000 |
| Pretax income | 1,445,000 | 3,160,000 | 4,966,000 | 6,912,000 |
| Income tax | 51,000 | 110,000 | 174,000 | 242,000 |
| Net income | 1,394,000 | 3,050,000 | 4,792,000 | 6,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,544,000 | 28,250,000 | 29,662,000 | 30,212,000 |
| Total capital | 31,502,000 | 31,490,000 | 32,742,000 | 33,498,000 |
| Risk-weighted assets | 270,427,000 | 298,403,000 | 302,349,000 | 307,828,000 |