Call reports 2015
SB ONE BANK — 2015
What SB ONE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 604,179,000 | 620,840,000 | 644,893,000 | 686,368,000 |
| Total loans | 473,303,000 | 479,069,000 | 501,203,000 | 543,423,000 |
| Allowance for loan losses | 5,763,000 | 5,752,000 | 5,641,000 | 5,590,000 |
| Securities available for sale | 84,573,000 | 93,879,000 | 94,702,000 | 93,776,000 |
| Securities held to maturity | 6,491,000 | 5,982,000 | 5,857,000 | 6,834,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 473,581,000 | 487,787,000 | 502,578,000 | 517,924,000 |
| Interest-bearing deposits | 396,747,000 | 397,229,000 | 403,193,000 | 430,646,000 |
| Noninterest-bearing deposits | 76,834,000 | 90,558,000 | 99,385,000 | 87,278,000 |
| Equity capital | 62,771,000 | 62,993,000 | 64,629,000 | 65,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,676,000 | 11,536,000 | 17,527,000 | 23,834,000 |
| Interest expense | 797,000 | 1,615,000 | 2,452,000 | 3,348,000 |
| Net interest income | 4,879,000 | 9,921,000 | 15,075,000 | 20,486,000 |
| Noninterest income | 1,735,000 | 3,097,000 | 4,695,000 | 6,030,000 |
| Noninterest expense | 4,998,000 | 9,844,000 | 15,149,000 | 20,280,000 |
| Provision for loan losses | 305,000 | 505,000 | 506,000 | 636,000 |
| Pretax income | 1,479,000 | 2,925,000 | 4,382,000 | 5,871,000 |
| Income tax | 426,000 | 897,000 | 1,326,000 | 1,819,000 |
| Net income | 1,053,000 | 2,028,000 | 3,056,000 | 4,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,259,000 | 60,233,000 | 61,697,000 | 62,693,000 |
| Total capital | 65,023,000 | 65,986,000 | 67,340,000 | 68,283,000 |
| Risk-weighted assets | 467,646,000 | 473,592,000 | 497,978,000 | 534,020,000 |