Call reports 2006
SECURITY BUSINESS BANK OF SAN DIEGO — 2006
What SECURITY BUSINESS BANK OF SAN DIEGO reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 132,670,000 | 134,518,000 | 152,263,000 | 151,601,000 |
| Total loans | 105,420,000 | 103,158,000 | 123,230,000 | 123,828,000 |
| Allowance for loan losses | 1,347,000 | 1,367,000 | 1,577,000 | 1,590,000 |
| Securities available for sale | 13,913,000 | 13,939,000 | 16,529,000 | 16,168,000 |
| Securities held to maturity | 1,748,000 | 1,748,000 | 999,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,642,000 | 106,080,000 | 116,731,000 | 117,708,000 |
| Interest-bearing deposits | 58,258,000 | 65,506,000 | 74,871,000 | 78,430,000 |
| Noninterest-bearing deposits | 42,384,000 | 40,574,000 | 41,860,000 | 39,278,000 |
| Equity capital | 17,431,000 | 17,721,000 | 18,162,000 | 18,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,195,000 | 4,484,000 | 7,109,000 | 9,892,000 |
| Interest expense | 382,000 | 901,000 | 1,654,000 | 2,503,000 |
| Net interest income | 1,813,000 | 3,583,000 | 5,455,000 | 7,389,000 |
| Noninterest income | 115,000 | 391,000 | 686,000 | 859,000 |
| Noninterest expense | 1,417,000 | 2,894,000 | 4,306,000 | 5,812,000 |
| Provision for loan losses | 101,000 | 121,000 | 331,000 | 355,000 |
| Pretax income | 410,000 | 959,000 | 1,504,000 | 2,081,000 |
| Income tax | 168,000 | 395,000 | 618,000 | 718,000 |
| Net income | 242,000 | 564,000 | 886,000 | 1,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,533,000 | 17,865,000 | 18,204,000 | 18,873,000 |
| Total capital | 18,888,000 | 19,241,000 | 19,791,000 | 20,473,000 |
| Risk-weighted assets | 120,836,000 | 124,129,000 | 144,344,000 | 144,484,000 |