Call reports 2014
SB ONE BANK — 2014
What SB ONE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 545,834,000 | 556,009,000 | 566,904,000 | 595,796,000 |
| Total loans | 412,724,000 | 428,339,000 | 442,731,000 | 471,973,000 |
| Allowance for loan losses | 5,437,000 | 5,854,000 | 5,709,000 | 5,641,000 |
| Securities available for sale | 87,954,000 | 81,025,000 | 71,433,000 | 77,976,000 |
| Securities held to maturity | 5,800,000 | 6,055,000 | 5,106,000 | 6,006,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 426,917,000 | 445,292,000 | 454,642,000 | 458,271,000 |
| Interest-bearing deposits | 366,731,000 | 376,602,000 | 381,921,000 | 387,781,000 |
| Noninterest-bearing deposits | 60,186,000 | 68,690,000 | 72,721,000 | 70,490,000 |
| Equity capital | 58,182,000 | 59,789,000 | 60,686,000 | 61,629,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,093,000 | 10,360,000 | 15,777,000 | 21,339,000 |
| Interest expense | 739,000 | 1,514,000 | 2,300,000 | 3,082,000 |
| Net interest income | 4,354,000 | 8,846,000 | 13,477,000 | 18,257,000 |
| Noninterest income | 1,607,000 | 2,965,000 | 4,267,000 | 5,635,000 |
| Noninterest expense | 4,398,000 | 9,064,000 | 13,848,000 | 18,573,000 |
| Provision for loan losses | 453,000 | 853,000 | 1,231,000 | 1,537,000 |
| Pretax income | 1,110,000 | 1,969,000 | 2,904,000 | 4,072,000 |
| Income tax | 344,000 | 534,000 | 791,000 | 1,160,000 |
| Net income | 766,000 | 1,435,000 | 2,113,000 | 2,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,494,000 | 57,163,000 | 57,842,000 | 58,640,000 |
| Total capital | 61,639,000 | 62,443,000 | 63,266,000 | 64,282,000 |
| Risk-weighted assets | 410,285,000 | 420,423,000 | 432,974,000 | 458,432,000 |