Call reports 2003
SECURITY BANK & TRUST COMPANY — 2003
What SECURITY BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 164,299,000 | 163,727,000 | 164,034,000 | 169,903,000 |
| Total loans | 96,807,000 | 102,181,000 | 102,841,000 | 108,529,000 |
| Allowance for loan losses | 1,424,000 | 1,745,000 | 1,746,000 | 1,734,000 |
| Securities available for sale | 60,517,000 | 49,019,000 | 55,126,000 | 55,571,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,893,000 | 145,491,000 | 145,254,000 | 149,679,000 |
| Interest-bearing deposits | 138,102,000 | 137,018,000 | 135,482,000 | 138,798,000 |
| Noninterest-bearing deposits | 8,791,000 | 8,473,000 | 9,772,000 | 10,881,000 |
| Equity capital | 17,081,000 | 17,908,000 | 18,472,000 | 19,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,262,000 | 4,582,000 | 6,864,000 | 9,093,000 |
| Interest expense | 840,000 | 1,656,000 | 2,430,000 | 3,183,000 |
| Net interest income | 1,422,000 | 2,926,000 | 4,434,000 | 5,910,000 |
| Noninterest income | 220,000 | 367,000 | 696,000 | 1,037,000 |
| Noninterest expense | 667,000 | 1,264,000 | 1,947,000 | 3,089,000 |
| Provision for loan losses | 0 | 318,000 | 318,000 | 318,000 |
| Pretax income | 981,000 | 1,727,000 | 2,910,000 | 3,595,000 |
| Income tax | 2,000 | 2,000 | 3,000 | 3,000 |
| Net income | 979,000 | 1,725,000 | 2,907,000 | 3,592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,942,000 | 16,687,000 | 17,870,000 | 18,554,000 |
| Total capital | 17,387,000 | 18,432,000 | 19,616,000 | 20,288,000 |
| Risk-weighted assets | 116,382,000 | 146,150,000 | 153,320,000 | 159,920,000 |