Call reports 2005
SECURITY BANK & TRUST COMPANY — 2005
What SECURITY BANK & 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 | 183,059,000 | 186,223,000 | 189,172,000 | 195,628,000 |
| Total loans | 123,640,000 | 127,892,000 | 129,480,000 | 133,320,000 |
| Allowance for loan losses | 1,884,000 | 1,995,000 | 2,236,000 | 2,238,000 |
| Securities available for sale | 54,029,000 | 53,655,000 | 52,821,000 | 52,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,569,000 | 166,414,000 | 168,530,000 | 174,602,000 |
| Interest-bearing deposits | 155,627,000 | 157,181,000 | 157,441,000 | 163,544,000 |
| Noninterest-bearing deposits | 8,942,000 | 9,233,000 | 11,089,000 | 11,058,000 |
| Equity capital | 18,111,000 | 19,308,000 | 19,863,000 | 20,545,000 |
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 | 2,382,000 | 4,960,000 | 7,610,000 | 10,435,000 |
| Interest expense | 925,000 | 1,907,000 | 2,993,000 | 4,255,000 |
| Net interest income | 1,457,000 | 3,053,000 | 4,617,000 | 6,180,000 |
| Noninterest income | 329,000 | 673,000 | 1,045,000 | 1,597,000 |
| Noninterest expense | 853,000 | 1,756,000 | 2,680,000 | 3,699,000 |
| Provision for loan losses | 0 | 110,000 | 360,000 | 360,000 |
| Pretax income | 933,000 | 1,841,000 | 2,603,000 | 3,801,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 2,000 |
| Net income | 932,000 | 1,840,000 | 2,602,000 | 3,799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,592,000 | 19,502,000 | 20,263,000 | 21,460,000 |
| Total capital | 20,291,000 | 21,257,000 | 22,102,000 | 23,331,000 |
| Risk-weighted assets | 135,729,000 | 140,128,000 | 144,052,000 | 149,285,000 |