Call reports 2008
SB ONE BANK — 2008
What SB ONE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 402,541,000 | 429,352,000 | 436,548,000 | 436,789,000 |
| Total loans | 301,341,000 | 304,312,000 | 311,284,000 | 319,842,000 |
| Allowance for loan losses | 5,309,000 | 4,831,000 | 5,080,000 | 5,813,000 |
| Securities available for sale | 47,695,000 | 47,315,000 | 63,249,000 | 61,095,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 13,834,000 | 14,104,000 | 13,519,000 | 13,290,000 |
| Total deposits | 329,020,000 | 355,881,000 | 358,127,000 | 361,093,000 |
| Interest-bearing deposits | 276,626,000 | 302,545,000 | 316,231,000 | 325,297,000 |
| Noninterest-bearing deposits | 52,394,000 | 53,336,000 | 41,896,000 | 35,796,000 |
| Equity capital | 34,142,000 | 33,921,000 | 39,528,000 | 39,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,570,000 | 11,040,000 | 16,892,000 | 22,553,000 |
| Interest expense | 2,512,000 | 4,954,000 | 7,550,000 | 10,253,000 |
| Net interest income | 3,058,000 | 6,086,000 | 9,342,000 | 12,300,000 |
| Noninterest income | 1,594,000 | 2,756,000 | 4,005,000 | 5,367,000 |
| Noninterest expense | 3,441,000 | 6,984,000 | 10,397,000 | 14,458,000 |
| Provision for loan losses | 173,000 | 290,000 | 569,000 | 1,350,000 |
| Pretax income | 1,122,000 | 1,720,000 | -993,000 | -1,516,000 |
| Income tax | 354,000 | 506,000 | -558,000 | -884,000 |
| Net income | 768,000 | 1,214,000 | -435,000 | -632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,166,000 | 31,342,000 | 37,611,000 | 37,278,000 |
| Total capital | 35,204,000 | 35,484,000 | 41,790,000 | 41,520,000 |
| Risk-weighted assets | 321,735,000 | 330,705,000 | 333,428,000 | 337,780,000 |