Call reports 2006
SB ONE BANK — 2006
What SB ONE BANK 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 | 322,129,000 | 326,840,000 | 343,798,000 | 353,589,000 |
| Total loans | 228,387,000 | 242,686,000 | 253,838,000 | 261,916,000 |
| Allowance for loan losses | 2,825,000 | 3,040,000 | 3,166,000 | 3,340,000 |
| Securities available for sale | 56,117,000 | 55,629,000 | 58,147,000 | 53,179,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,683,000 | 280,341,000 | 295,988,000 | 300,198,000 |
| Interest-bearing deposits | 220,456,000 | 243,063,000 | 259,624,000 | 255,688,000 |
| Noninterest-bearing deposits | 55,227,000 | 37,278,000 | 36,364,000 | 44,510,000 |
| Equity capital | 31,072,000 | 31,208,000 | 32,177,000 | 32,650,000 |
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 | 4,533,000 | 9,360,000 | 14,446,000 | 19,843,000 |
| Interest expense | 1,563,000 | 3,279,000 | 5,433,000 | 7,805,000 |
| Net interest income | 2,970,000 | 6,081,000 | 9,013,000 | 12,038,000 |
| Noninterest income | 1,290,000 | 2,660,000 | 3,958,000 | 5,153,000 |
| Noninterest expense | 3,091,000 | 6,290,000 | 9,456,000 | 12,530,000 |
| Provision for loan losses | 217,000 | 445,000 | 562,000 | 733,000 |
| Pretax income | 952,000 | 2,006,000 | 2,953,000 | 4,018,000 |
| Income tax | 296,000 | 637,000 | 938,000 | 1,286,000 |
| Net income | 656,000 | 1,369,000 | 2,015,000 | 2,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,243,000 | 28,723,000 | 29,177,000 | 29,758,000 |
| Total capital | 31,068,000 | 31,763,000 | 32,343,000 | 33,098,000 |
| Risk-weighted assets | 246,100,000 | 261,066,000 | 274,393,000 | 284,598,000 |