Call reports 2008
SENB BANK — 2008
What SENB BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 127,250,000 | 126,748,000 | 128,351,000 | 129,623,000 |
| Total loans | 64,345,000 | 63,760,000 | 61,631,000 | 62,729,000 |
| Allowance for loan losses | 579,000 | 534,000 | 546,000 | 504,000 |
| Securities available for sale | 49,559,000 | 49,408,000 | 52,187,000 | 52,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,337,000 | 101,450,000 | 102,291,000 | 102,862,000 |
| Interest-bearing deposits | 84,692,000 | 85,590,000 | 85,451,000 | 84,133,000 |
| Noninterest-bearing deposits | 16,645,000 | 15,860,000 | 16,841,000 | 18,729,000 |
| Equity capital | 15,645,000 | 14,900,000 | 15,516,000 | 15,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,681,000 | 3,325,000 | 4,977,000 | 6,585,000 |
| Interest expense | 651,000 | 1,292,000 | 1,922,000 | 2,468,000 |
| Net interest income | 1,030,000 | 2,033,000 | 3,055,000 | 4,117,000 |
| Noninterest income | 327,000 | 696,000 | 1,021,000 | 1,334,000 |
| Noninterest expense | 1,231,000 | 2,461,000 | 3,676,000 | 4,910,000 |
| Provision for loan losses | 17,000 | 37,000 | 54,000 | 246,000 |
| Pretax income | 181,000 | 303,000 | 418,000 | 367,000 |
| Income tax | 2,000 | 4,000 | 5,000 | 5,000 |
| Net income | 179,000 | 299,000 | 869,000 | 868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,131,000 | 15,092,000 | 15,501,000 | 15,340,000 |
| Total capital | 15,710,000 | 15,626,000 | 16,047,000 | 15,844,000 |
| Risk-weighted assets | 78,810,000 | 78,944,000 | 78,083,000 | 77,874,000 |