13F-HR 1 scc13f093002.txt SECOND CURVE CAPITAL 13F 3Q FILING UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 13F-HR Form 13F COVER PAGE Report for the Calendar Year of Quarter Ended: September 30, 2002 Check here if Amendment [ ]; Amendment Number: This Amendment (Check only one.):[ ] is a restatement. [ ] adds new holdings entries. Institutional Investment Manager Filing this Report: Name: Second Curve Capital, LLC Address: 200 Park Avenue Suite 3300 New York, NY 10166 Form 13F File Number: 028-06413 The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this submission. Person Signing this Report on Behalf of Reporting Manager: Name: Stephen Krug Title: Chief Operating Officer Phone: 212-808-3546 Signature, Place, and Date of Signing: Stephen Krug New York, NY November 14, 2002 Report Type (Check only one.): [X] 13F HOLDINGS REPORT. [ ] 13F NOTICE. [ ] 13F COMBINATION REPORT. Form 13F SUMMARY PAGE Report Summary: Number of Other Included Managers: 0 Form 13F Information Table Entry Total: 29 Form 13F Information Table Value Total: $276,484 (thousands) List of Other Included Managers: None FORM 13F INFORMATION TABLE VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE AMERICREDIT CORP COM 03060R101 33055 4096067 SH SOLE 4096067 BLACKROCK INC CL A CL A 09247X101 2007 48454 SH SOLE 48454 CAPITAL ONE FINANCIAL CORP COM 14040H105 35179 1007426 SH SOLE 1007426 CHARTER ONE FINANCIAL INC COM 160903100 1857 62498 SH SOLE 62498 CHECKFREE CORP NEW COM 162813109 6879 604500 SH SOLE 604500 CITIGROUP INC COM 172967101 19273 650000 SH SOLE 650000 COMMERCE BANCORP INC - N.J. COM 200519106 12453 300012 SH SOLE 300012 COMPUCREDIT CORP COM 20478N100 3099 584706 SH SOLE 584706 E-LOAN INC COM 26861P107 1380 1000000 SH SOLE 1000000 FIRST COMMUNITY BANCORP CALIF COM 31983B101 1447 50000 SH SOLE 50000 FIRST REPUBLIC BANK COM 336158100 2438 112108 SH SOLE 112108 HIBERNIA CORP-CL A CL A 428656102 11756 588093 SH SOLE 588093 HOUSEHOLD INTERNATIONAL INC COM 441815107 5662 200000 SH SOLE 200000 J P MORGAN CHASE & CO COM 46625H100 14243 750000 SH SOLE 750000 LENDINGTREE INC COM 52602Q105 8442 572698 SH SOLE 572698 NATIONAL PROCESSING INC COM 637229105 2873 169099 SH SOLE 169099 NETBANK INC COM 640933107 2894 278020 SH SOLE 278020 NEXTCARD INC COM 65332K107 0 3534804 SH SOLE 3534804 PNC FINANCIAL CORP COM 693475105 17922 425000 SH SOLE 425000 PROSPERITY BANCSHARES INC COM 743606105 6562 385296 SH SOLE 385296 PROVIDENT FINANCIAL GROUP INC COM 743866105 11566 461000 SH SOLE 461000 PROVIDIAN FINANCIAL CORP COM 74406A102 21996 4488998 SH SOLE 4488998 ***RENAISSANCERE HOLDINGS LTD COM G7496G103 12049 318837 SH SOLE 318837 SEI INVESTMENTS CO COM 784117103 2388 100000 SH SOLE 100000 SOUTHWEST BANCORPORATION OF COM 84476R109 6224 170942 SH SOLE 170942 SOVEREIGN BANCORP INC COM 845905108 12268 951033 SH SOLE 951033 UNIONBANCAL CORP COM 908906100 9716 231276 SH SOLE 231276 W R BERKLEY CORP COM 084423102 10823 318321 SH SOLE 318321 WTS DIME BANCORP INC NEW COM 25429Q110 32 357051 SH SOLE 357051