Call reports 2007
SENB BANK — 2007
What SENB BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 121,147,000 | 124,926,000 | 120,427,000 | 123,790,000 |
| Total loans | 66,738,000 | 65,501,000 | 65,072,000 | 64,504,000 |
| Allowance for loan losses | 539,000 | 525,000 | 540,000 | 562,000 |
| Securities available for sale | 43,283,000 | 45,541,000 | 45,387,000 | 45,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,324,000 | 97,717,000 | 95,727,000 | 98,742,000 |
| Interest-bearing deposits | 78,640,000 | 79,375,000 | 79,759,000 | 80,973,000 |
| Noninterest-bearing deposits | 16,684,000 | 18,342,000 | 15,968,000 | 17,769,000 |
| Equity capital | 14,486,000 | 14,042,000 | 14,637,000 | 15,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,693,000 | 3,440,000 | 5,204,000 | 6,923,000 |
| Interest expense | 605,000 | 1,259,000 | 1,930,000 | 2,585,000 |
| Net interest income | 1,088,000 | 2,181,000 | 3,274,000 | 4,338,000 |
| Noninterest income | 283,000 | 561,000 | 861,000 | 1,171,000 |
| Noninterest expense | 1,214,000 | 2,442,000 | 3,646,000 | 4,781,000 |
| Provision for loan losses | 17,000 | 34,000 | 57,000 | 73,000 |
| Pretax income | 140,000 | 259,000 | 425,000 | 648,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 12,000 |
| Net income | 137,000 | 252,000 | 415,000 | 636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,043,000 | 14,979,000 | 15,021,000 | 15,103,000 |
| Total capital | 15,582,000 | 15,504,000 | 15,561,000 | 15,665,000 |
| Risk-weighted assets | 75,697,000 | 77,202,000 | 75,810,000 | 78,083,000 |