Call reports 2005
SENB BANK — 2005
What SENB BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 126,173,000 | 124,654,000 | 125,767,000 | 123,795,000 |
| Total loans | 62,616,000 | 62,129,000 | 64,578,000 | 63,937,000 |
| Allowance for loan losses | 496,000 | 489,000 | 494,000 | 507,000 |
| Securities available for sale | 51,767,000 | 51,201,000 | 49,736,000 | 47,306,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,497,000 | 98,742,000 | 98,745,000 | 97,606,000 |
| Interest-bearing deposits | 80,370,000 | 81,033,000 | 79,858,000 | 77,840,000 |
| Noninterest-bearing deposits | 18,127,000 | 17,709,000 | 18,887,000 | 19,766,000 |
| Equity capital | 13,835,000 | 14,305,000 | 14,142,000 | 13,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,484,000 | 2,994,000 | 4,546,000 | 6,169,000 |
| Interest expense | 378,000 | 771,000 | 1,182,000 | 1,634,000 |
| Net interest income | 1,106,000 | 2,223,000 | 3,364,000 | 4,535,000 |
| Noninterest income | 206,000 | 432,000 | 664,000 | 914,000 |
| Noninterest expense | 1,085,000 | 2,196,000 | 3,295,000 | 4,309,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 70,000 |
| Pretax income | 208,000 | 406,000 | 671,000 | 1,035,000 |
| Income tax | 3,000 | 0 | 10,000 | 13,000 |
| Net income | 205,000 | 399,000 | 661,000 | 1,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,483,000 | 14,517,000 | 14,599,000 | 14,800,000 |
| Total capital | 14,979,000 | 15,006,000 | 15,093,000 | 15,307,000 |
| Risk-weighted assets | 75,189,000 | 74,641,000 | 77,896,000 | 78,628,000 |