Call reports 2004
SENB BANK — 2004
What SENB BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 128,166,000 | 127,982,000 | 127,082,000 | 126,884,000 |
| Total loans | 58,468,000 | 59,098,000 | 60,914,000 | 63,919,000 |
| Allowance for loan losses | 533,000 | 538,000 | 541,000 | 509,000 |
| Securities available for sale | 57,672,000 | 58,725,000 | 57,622,000 | 53,571,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,331,000 | 103,365,000 | 99,285,000 | 101,400,000 |
| Interest-bearing deposits | 86,156,000 | 86,366,000 | 84,076,000 | 81,971,000 |
| Noninterest-bearing deposits | 16,175,000 | 16,999,000 | 15,209,000 | 19,429,000 |
| Equity capital | 14,867,000 | 13,515,000 | 14,519,000 | 14,361,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,444,000 | 2,860,000 | 4,291,000 | 5,776,000 |
| Interest expense | 364,000 | 718,000 | 1,081,000 | 1,455,000 |
| Net interest income | 1,080,000 | 2,142,000 | 3,210,000 | 4,321,000 |
| Noninterest income | 204,000 | 421,000 | 660,000 | 870,000 |
| Noninterest expense | 1,058,000 | 2,118,000 | 3,181,000 | 4,224,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 210,000 | 420,000 | 655,000 | 924,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 210,000 | 420,000 | 655,000 | 924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,164,000 | 14,254,000 | 14,369,000 | 14,518,000 |
| Total capital | 14,697,000 | 14,792,000 | 14,910,000 | 15,027,000 |
| Risk-weighted assets | 71,593,000 | 73,463,000 | 72,449,000 | 75,947,000 |