Call reports 2007
SB ONE BANK — 2007
What SB ONE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 355,223,000 | 384,803,000 | 388,490,000 | 389,866,000 |
| Total loans | 270,381,000 | 284,284,000 | 292,803,000 | 299,578,000 |
| Allowance for loan losses | 3,428,000 | 3,860,000 | 4,098,000 | 5,141,000 |
| Securities available for sale | 44,195,000 | 44,997,000 | 45,209,000 | 47,073,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 13,476,000 | 12,282,000 | 11,865,000 | 14,259,000 |
| Total deposits | 299,009,000 | 328,939,000 | 331,363,000 | 318,355,000 |
| Interest-bearing deposits | 256,696,000 | 273,517,000 | 282,116,000 | 271,913,000 |
| Noninterest-bearing deposits | 42,313,000 | 55,422,000 | 49,247,000 | 46,442,000 |
| Equity capital | 33,278,000 | 32,998,000 | 33,673,000 | 33,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,374,000 | 10,973,000 | 16,878,000 | 22,737,000 |
| Interest expense | 2,430,000 | 5,028,000 | 7,817,000 | 10,700,000 |
| Net interest income | 2,944,000 | 5,945,000 | 9,061,000 | 12,037,000 |
| Noninterest income | 1,585,000 | 2,821,000 | 4,279,000 | 5,606,000 |
| Noninterest expense | 3,205,000 | 6,513,000 | 9,771,000 | 13,035,000 |
| Provision for loan losses | 108,000 | 544,000 | 868,000 | 1,931,000 |
| Pretax income | 1,216,000 | 1,709,000 | 2,711,000 | 2,687,000 |
| Income tax | 407,000 | 516,000 | 833,000 | 698,000 |
| Net income | 809,000 | 1,193,000 | 1,878,000 | 1,989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,118,000 | 30,296,000 | 30,775,000 | 30,678,000 |
| Total capital | 33,546,000 | 34,132,000 | 34,713,000 | 34,663,000 |
| Risk-weighted assets | 289,762,000 | 306,642,000 | 314,621,000 | 317,670,000 |