Call reports 2004
SB ONE BANK — 2004
What SB ONE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 246,713,000 | 250,556,000 | 259,113,000 | 277,669,000 |
| Total loans | 138,945,000 | 144,275,000 | 149,042,000 | 156,916,000 |
| Allowance for loan losses | 1,853,000 | 1,958,000 | 2,078,000 | 2,274,000 |
| Securities available for sale | 76,019,000 | 74,721,000 | 72,575,000 | 74,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,171,000 | 217,603,000 | 223,925,000 | 237,071,000 |
| Interest-bearing deposits | 180,469,000 | 181,689,000 | 186,862,000 | 195,376,000 |
| Noninterest-bearing deposits | 32,702,000 | 35,914,000 | 37,063,000 | 41,695,000 |
| Equity capital | 20,128,000 | 19,491,000 | 20,621,000 | 29,025,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,799,000 | 5,608,000 | 8,595,000 | 11,791,000 |
| Interest expense | 607,000 | 1,232,000 | 1,855,000 | 2,554,000 |
| Net interest income | 2,192,000 | 4,376,000 | 6,740,000 | 9,237,000 |
| Noninterest income | 1,151,000 | 2,317,000 | 3,416,000 | 4,527,000 |
| Noninterest expense | 2,605,000 | 5,226,000 | 7,945,000 | 10,703,000 |
| Provision for loan losses | 148,000 | 253,000 | 373,000 | 558,000 |
| Pretax income | 590,000 | 1,214,000 | 1,849,000 | 2,519,000 |
| Income tax | 164,000 | 343,000 | 516,000 | 699,000 |
| Net income | 426,000 | 871,000 | 1,333,000 | 1,820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,794,000 | 17,255,000 | 17,638,000 | 26,106,000 |
| Total capital | 18,649,000 | 19,213,000 | 19,718,000 | 28,341,000 |
| Risk-weighted assets | 156,779,000 | 163,698,000 | 168,198,000 | 178,630,000 |