13F-HR 1 scc13f093003.txt SECOND CURVE CAPITAL 13F FILING FOR PERIOD ENDING 9-30-03 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, 2003 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 13, 2003 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: 27 Form 13F Information Table Value Total: $382,007 (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 58281 5658353 SH SOLE 5658353 AMERITRADE HOLDING CORP COM 03074K100 8580 750000 SH SOLE 750000 CAPITAL ONE FINANCIAL CORP COM 14040H105 66701 1169377 SH SOLE 1169377 COMMERCE BANCORP INC - N.J. COM 200519106 34150 712787 SH SOLE 712787 E TRADE GROUP INC COM 269246104 4432 478574 SH SOLE 478574 E-LOAN INC COM 26861P107 6666 1836337 SH SOLE 1836337 FIRST COMMUNITY BANCORP CALIF COM 31983B101 2632 78561 SH SOLE 78561 FIRST REPUBLIC BANK COM 336158100 2226 72209 SH SOLE 72209 FREDDIE MCA-VOTING COMMON COM 313400301 30849 589285 SH SOLE 589285 GOLDEN WEST FINANCIAL CORP-DEL COM 381317106 11167 124760 SH SOLE 124760 H & R BLOCK INC COM 093671105 9709 225000 SH SOLE 225000 HIBERNIA CORP-CL A COM 428656102 4052 200000 SH SOLE 200000 METRIS COMPANIES INC COM 591598107 14226 3453000 SH SOLE 3453000 MGIC INVESTMENT CORP-WIS COM 552848103 10414 200000 SH SOLE 200000 NATIONAL PROCESSING INC COM 637229105 184 9500 SH SOLE 9500 NETBANK INC COM 640933107 1882 150572 SH SOLE 150572 NEW CENTURY FINANCIAL CORP COM 64352D101 9930 350000 SH SOLE 350000 PROVIDIAN FINANCIAL CORP COM 74406A102 53231 4514948 SH SOLE 4514948 RENAISSANCERE HOLDINGS LTD COM G7496G103 12738 279159 SH SOLE 279159 RIGGS NATIONAL CORP COM 766570105 881 55227 SH SOLE 55227 SEI INVESTMENTS CO COM 784117103 10966 336906 SH SOLE 336906 SOUTHWEST BANCORPORATION OF COM 84476R109 5002 137080 SH SOLE 137080 SOVEREIGN BANCORP INC COM 845905108 5565 300000 SH SOLE 300000 UMPQUA HLDGS CORP COM 904214103 630 33128 SH SOLE 33128 VIAD CORP COM 92552R109 9552 400000 SH SOLE 400000 W R BERKLEY CORP COM 084423102 7304 213190 SH SOLE 213190 WTS DIME BANCORP INC NEW COM 25429Q110 57 357051 SH SOLE 357051