Call reports 2009
SB ONE BANK — 2009
What SB ONE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 478,561,000 | 462,208,000 | 450,112,000 | 452,469,000 |
| Total loans | 322,175,000 | 328,161,000 | 329,391,000 | 331,955,000 |
| Allowance for loan losses | 6,412,000 | 6,709,000 | 5,064,000 | 5,496,000 |
| Securities available for sale | 75,840,000 | 86,055,000 | 79,365,000 | 70,696,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 11,315,000 | 7,910,000 | 3,974,000 | 2,954,000 |
| Total deposits | 401,622,000 | 383,987,000 | 369,966,000 | 372,905,000 |
| Interest-bearing deposits | 364,461,000 | 342,278,000 | 330,100,000 | 337,920,000 |
| Noninterest-bearing deposits | 37,161,000 | 41,709,000 | 39,866,000 | 34,985,000 |
| Equity capital | 40,130,000 | 42,147,000 | 44,119,000 | 43,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,703,000 | 11,556,000 | 17,421,000 | 22,965,000 |
| Interest expense | 2,521,000 | 4,610,000 | 6,233,000 | 7,746,000 |
| Net interest income | 3,182,000 | 6,946,000 | 11,188,000 | 15,219,000 |
| Noninterest income | 1,337,000 | 2,790,000 | 4,016,000 | 5,409,000 |
| Noninterest expense | 3,497,000 | 7,462,000 | 11,142,000 | 14,528,000 |
| Provision for loan losses | 639,000 | 1,063,000 | 1,583,000 | 3,403,000 |
| Pretax income | 383,000 | 1,211,000 | 2,534,000 | 2,831,000 |
| Income tax | 44,000 | 212,000 | 588,000 | 577,000 |
| Net income | 339,000 | 999,000 | 1,946,000 | 2,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,536,000 | 39,326,000 | 40,426,000 | 40,730,000 |
| Total capital | 41,912,000 | 43,698,000 | 44,699,000 | 45,019,000 |
| Risk-weighted assets | 348,065,000 | 347,416,000 | 341,028,000 | 341,889,000 |