Call reports 2003
SENB BANK — 2003
What SENB BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 131,270,000 | 134,271,000 | 130,745,000 | 128,132,000 |
| Total loans | 63,012,000 | 60,896,000 | 58,867,000 | 59,126,000 |
| Allowance for loan losses | 548,000 | 562,000 | 559,000 | 531,000 |
| Securities available for sale | 58,724,000 | 55,833,000 | 61,781,000 | 58,918,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,744,000 | 106,559,000 | 104,501,000 | 102,657,000 |
| Interest-bearing deposits | 91,709,000 | 89,733,000 | 89,676,000 | 85,880,000 |
| Noninterest-bearing deposits | 16,035,000 | 16,826,000 | 14,826,000 | 16,777,000 |
| Equity capital | 15,383,000 | 15,552,000 | 14,570,000 | 14,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,638,000 | 3,170,000 | 4,620,000 | 6,095,000 |
| Interest expense | 521,000 | 1,015,000 | 1,467,000 | 1,869,000 |
| Net interest income | 1,117,000 | 2,155,000 | 3,153,000 | 4,226,000 |
| Noninterest income | 248,000 | 495,000 | 823,000 | 1,033,000 |
| Noninterest expense | 1,073,000 | 2,147,000 | 3,257,000 | 4,225,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 388,000 | 673,000 | 878,000 | 1,183,000 |
| Income tax | 0 | -7,000 | -6,000 | -5,000 |
| Net income | 388,000 | 680,000 | 884,000 | 708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,217,000 | 14,322,000 | 14,409,000 | 14,234,000 |
| Total capital | 14,765,000 | 14,884,000 | 14,968,000 | 14,769,000 |
| Risk-weighted assets | 72,448,000 | 72,425,000 | 71,532,000 | 71,252,000 |