Call reports 2005
SB ONE BANK — 2005
What SB ONE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 277,106,000 | 287,313,000 | 299,509,000 | 308,757,000 |
| Total loans | 166,639,000 | 186,278,000 | 202,300,000 | 209,979,000 |
| Allowance for loan losses | 1,828,000 | 2,158,000 | 2,394,000 | 2,615,000 |
| Securities available for sale | 73,060,000 | 70,243,000 | 63,860,000 | 58,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,723,000 | 241,122,000 | 248,613,000 | 259,914,000 |
| Interest-bearing deposits | 196,020,000 | 199,613,000 | 207,767,000 | 217,699,000 |
| Noninterest-bearing deposits | 36,703,000 | 41,509,000 | 40,846,000 | 42,215,000 |
| Equity capital | 28,889,000 | 29,906,000 | 30,331,000 | 30,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,411,000 | 7,073,000 | 11,064,000 | 15,432,000 |
| Interest expense | 708,000 | 1,565,000 | 2,611,000 | 3,972,000 |
| Net interest income | 2,703,000 | 5,508,000 | 8,453,000 | 11,460,000 |
| Noninterest income | 1,100,000 | 2,425,000 | 3,650,000 | 4,838,000 |
| Noninterest expense | 2,881,000 | 5,775,000 | 8,604,000 | 11,498,000 |
| Provision for loan losses | 135,000 | 341,000 | 547,000 | 1,138,000 |
| Pretax income | 787,000 | 1,817,000 | 2,994,000 | 3,697,000 |
| Income tax | 209,000 | 512,000 | 880,000 | 1,069,000 |
| Net income | 578,000 | 1,305,000 | 2,114,000 | 2,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,515,000 | 27,092,000 | 27,746,000 | 28,318,000 |
| Total capital | 28,345,000 | 29,261,000 | 30,140,000 | 30,933,000 |
| Risk-weighted assets | 187,623,000 | 205,484,000 | 223,331,000 | 228,355,000 |