Call reports 2012
SB ONE BANK — 2012
What SB ONE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 512,249,000 | 511,181,000 | 503,349,000 | 513,762,000 |
| Total loans | 335,434,000 | 346,884,000 | 340,395,000 | 347,736,000 |
| Allowance for loan losses | 7,617,000 | 6,260,000 | 6,721,000 | 4,976,000 |
| Securities available for sale | 100,517,000 | 115,121,000 | 118,624,000 | 118,557,000 |
| Securities held to maturity | 4,728,000 | 5,168,000 | 5,593,000 | 5,221,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 433,260,000 | 431,182,000 | 418,380,000 | 433,416,000 |
| Interest-bearing deposits | 387,434,000 | 381,993,000 | 370,528,000 | 384,061,000 |
| Noninterest-bearing deposits | 45,826,000 | 49,189,000 | 47,852,000 | 49,355,000 |
| Equity capital | 49,736,000 | 50,392,000 | 51,067,000 | 50,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,017,000 | 10,121,000 | 15,122,000 | 19,943,000 |
| Interest expense | 984,000 | 1,880,000 | 2,735,000 | 3,559,000 |
| Net interest income | 4,033,000 | 8,241,000 | 12,387,000 | 16,384,000 |
| Noninterest income | 1,217,000 | 2,502,000 | 3,895,000 | 5,192,000 |
| Noninterest expense | 4,794,000 | 8,815,000 | 13,086,000 | 18,240,000 |
| Provision for loan losses | 860,000 | 1,818,000 | 2,922,000 | 4,330,000 |
| Pretax income | -347,000 | 301,000 | 1,035,000 | 803,000 |
| Income tax | -227,000 | -127,000 | 7,000 | -194,000 |
| Net income | -120,000 | 428,000 | 1,028,000 | 997,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,975,000 | 46,518,000 | 47,123,000 | 47,095,000 |
| Total capital | 50,378,000 | 51,099,000 | 51,605,000 | 51,672,000 |
| Risk-weighted assets | 348,704,000 | 364,375,000 | 357,480,000 | 365,579,000 |