Call reports 2009
SENB BANK — 2009
What SENB BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 129,028,000 | 131,495,000 | 134,814,000 | 135,299,000 |
| Total loans | 59,530,000 | 58,807,000 | 57,136,000 | 57,985,000 |
| Allowance for loan losses | 520,000 | 501,000 | 517,000 | 560,000 |
| Securities available for sale | 55,617,000 | 60,972,000 | 67,351,000 | 66,520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,802,000 | 104,832,000 | 109,774,000 | 110,364,000 |
| Interest-bearing deposits | 85,704,000 | 88,468,000 | 90,622,000 | 93,118,000 |
| Noninterest-bearing deposits | 17,098,000 | 16,364,000 | 19,151,000 | 17,246,000 |
| Equity capital | 16,306,000 | 16,267,000 | 16,957,000 | 16,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,523,000 | 3,032,000 | 4,579,000 | 6,144,000 |
| Interest expense | 501,000 | 1,004,000 | 1,490,000 | 1,936,000 |
| Net interest income | 1,022,000 | 2,028,000 | 3,089,000 | 4,208,000 |
| Noninterest income | 309,000 | 658,000 | 981,000 | 1,350,000 |
| Noninterest expense | 1,253,000 | 2,577,000 | 3,885,000 | 5,051,000 |
| Provision for loan losses | 16,000 | 34,000 | 54,000 | 169,000 |
| Pretax income | 62,000 | 113,000 | 304,000 | 612,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 9,000 |
| Net income | 59,000 | 106,000 | 294,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,359,000 | 15,366,000 | 15,514,000 | 15,762,000 |
| Total capital | 15,879,000 | 15,867,000 | 16,031,000 | 16,322,000 |
| Risk-weighted assets | 75,943,000 | 75,950,000 | 74,570,000 | 74,973,000 |