Call reports 2006
SENB BANK — 2006
What SENB BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 121,770,000 | 122,076,000 | 121,453,000 | 121,071,000 |
| Total loans | 62,958,000 | 65,777,000 | 67,043,000 | 66,224,000 |
| Allowance for loan losses | 515,000 | 528,000 | 522,000 | 529,000 |
| Securities available for sale | 47,655,000 | 47,105,000 | 45,097,000 | 44,654,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,575,000 | 92,048,000 | 91,663,000 | 93,355,000 |
| Interest-bearing deposits | 78,935,000 | 75,599,000 | 75,510,000 | 76,261,000 |
| Noninterest-bearing deposits | 16,640,000 | 16,449,000 | 16,153,000 | 17,095,000 |
| Equity capital | 13,798,000 | 13,447,000 | 14,190,000 | 14,423,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,620,000 | 3,273,000 | 4,997,000 | 6,721,000 |
| Interest expense | 465,000 | 970,000 | 1,569,000 | 2,179,000 |
| Net interest income | 1,155,000 | 2,303,000 | 3,428,000 | 4,542,000 |
| Noninterest income | 249,000 | 508,000 | 784,000 | 1,082,000 |
| Noninterest expense | 1,097,000 | 2,214,000 | 3,301,000 | 4,420,000 |
| Provision for loan losses | 15,000 | 39,000 | 58,000 | 65,000 |
| Pretax income | 271,000 | 537,000 | 832,000 | 1,118,000 |
| Income tax | 0 | 4,000 | 9,000 | 12,000 |
| Net income | 271,000 | 533,000 | 823,000 | 1,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,870,000 | 14,934,000 | 15,024,000 | 15,107,000 |
| Total capital | 15,385,000 | 15,462,000 | 15,546,000 | 15,636,000 |
| Risk-weighted assets | 74,330,000 | 76,622,000 | 78,106,000 | 75,213,000 |