Call reports 2010
SB ONE BANK — 2010
What SB ONE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 469,416,000 | 482,262,000 | 481,873,000 | 471,844,000 |
| Total loans | 328,787,000 | 329,193,000 | 332,630,000 | 337,267,000 |
| Allowance for loan losses | 6,225,000 | 5,449,000 | 6,097,000 | 6,397,000 |
| Securities available for sale | 73,166,000 | 76,763,000 | 85,182,000 | 88,869,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,000,000 |
| Trading assets | 2,573,000 | 0 | 0 | 0 |
| Total deposits | 388,892,000 | 400,794,000 | 399,460,000 | 386,822,000 |
| Interest-bearing deposits | 350,259,000 | 360,481,000 | 360,972,000 | 350,604,000 |
| Noninterest-bearing deposits | 38,633,000 | 40,313,000 | 38,488,000 | 36,218,000 |
| Equity capital | 44,816,000 | 45,449,000 | 46,571,000 | 46,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,446,000 | 10,911,000 | 16,384,000 | 21,952,000 |
| Interest expense | 1,456,000 | 2,922,000 | 4,222,000 | 5,388,000 |
| Net interest income | 3,990,000 | 7,989,000 | 12,162,000 | 16,564,000 |
| Noninterest income | 1,182,000 | 2,441,000 | 3,619,000 | 4,731,000 |
| Noninterest expense | 3,500,000 | 7,292,000 | 11,090,000 | 14,848,000 |
| Provision for loan losses | 737,000 | 1,702,000 | 2,364,000 | 3,280,000 |
| Pretax income | 935,000 | 1,490,000 | 2,381,000 | 3,221,000 |
| Income tax | 246,000 | 330,000 | 530,000 | 713,000 |
| Net income | 689,000 | 1,160,000 | 1,851,000 | 2,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,424,000 | 41,899,000 | 42,607,000 | 43,242,000 |
| Total capital | 45,718,000 | 46,299,000 | 46,962,000 | 47,636,000 |
| Risk-weighted assets | 341,596,000 | 350,947,000 | 346,640,000 | 349,491,000 |