Call reports 2003
SB ONE BANK — 2003
What SB ONE BANK 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 | 230,461,000 | 235,125,000 | 234,770,000 | 240,306,000 |
| Total loans | 118,531,000 | 125,702,000 | 129,767,000 | 134,374,000 |
| Allowance for loan losses | 1,496,000 | 1,590,000 | 1,652,000 | 1,734,000 |
| Securities available for sale | 75,529,000 | 74,672,000 | 75,693,000 | 76,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,452,000 | 200,566,000 | 201,983,000 | 207,832,000 |
| Interest-bearing deposits | 165,487,000 | 168,111,000 | 167,911,000 | 175,942,000 |
| Noninterest-bearing deposits | 29,965,000 | 32,455,000 | 34,072,000 | 31,890,000 |
| Equity capital | 18,469,000 | 19,071,000 | 18,625,000 | 19,475,000 |
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 | 2,685,000 | 5,380,000 | 7,999,000 | 10,771,000 |
| Interest expense | 709,000 | 1,390,000 | 2,011,000 | 2,612,000 |
| Net interest income | 1,976,000 | 3,990,000 | 5,988,000 | 8,159,000 |
| Noninterest income | 995,000 | 2,017,000 | 2,932,000 | 3,970,000 |
| Noninterest expense | 2,336,000 | 4,681,000 | 7,032,000 | 9,574,000 |
| Provision for loan losses | 125,000 | 245,000 | 315,000 | 405,000 |
| Pretax income | 510,000 | 1,081,000 | 1,573,000 | 2,283,000 |
| Income tax | 147,000 | 307,000 | 432,000 | 640,000 |
| Net income | 363,000 | 774,000 | 1,141,000 | 1,643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,496,000 | 15,757,000 | 15,954,000 | 16,519,000 |
| Total capital | 16,992,000 | 17,347,000 | 17,606,000 | 18,253,000 |
| Risk-weighted assets | 135,082,000 | 141,155,000 | 145,298,000 | 150,782,000 |