Call reports 2002
SENB BANK — 2002
What SENB BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 128,161,000 | 128,714,000 | 131,569,000 | 132,217,000 |
| Total loans | 61,256,000 | 64,405,000 | 62,407,000 | 64,075,000 |
| Allowance for loan losses | 577,000 | 582,000 | 569,000 | 548,000 |
| Securities available for sale | 57,781,000 | 54,639,000 | 56,041,000 | 58,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,039,000 | 102,936,000 | 106,320,000 | 107,221,000 |
| Interest-bearing deposits | 87,962,000 | 87,778,000 | 91,216,000 | 91,668,000 |
| Noninterest-bearing deposits | 15,076,000 | 15,158,000 | 15,104,000 | 15,553,000 |
| Equity capital | 14,030,000 | 14,823,000 | 15,478,000 | 15,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,846,000 | 3,649,000 | 5,396,000 | 7,120,000 |
| Interest expense | 668,000 | 1,293,000 | 1,915,000 | 2,499,000 |
| Net interest income | 1,178,000 | 2,356,000 | 3,481,000 | 4,621,000 |
| Noninterest income | 178,000 | 356,000 | 618,000 | 828,000 |
| Noninterest expense | 1,064,000 | 2,082,000 | 3,128,000 | 4,186,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 325,000 | 640,000 | 1,018,000 | 1,371,000 |
| Income tax | -12,000 | -9,000 | -6,000 | -3,000 |
| Net income | 337,000 | 649,000 | 1,024,000 | 1,374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,528,000 | 13,668,000 | 13,859,000 | 14,030,000 |
| Total capital | 14,105,000 | 14,250,000 | 14,428,000 | 14,578,000 |
| Risk-weighted assets | 68,981,000 | 73,708,000 | 71,435,000 | 72,401,000 |