Call reports 2010
SENB BANK — 2010
What SENB BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 138,857,000 | 136,580,000 | 135,080,000 | 135,125,000 |
| Total loans | 56,639,000 | 57,071,000 | 55,190,000 | 56,409,000 |
| Allowance for loan losses | 523,000 | 538,000 | 553,000 | 580,000 |
| Securities available for sale | 67,535,000 | 67,885,000 | 66,298,000 | 66,251,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,735,000 | 110,977,000 | 109,362,000 | 111,556,000 |
| Interest-bearing deposits | 51,756,000 | 93,495,000 | 92,520,000 | 94,074,000 |
| Noninterest-bearing deposits | 61,979,000 | 17,482,000 | 16,842,000 | 17,482,000 |
| Equity capital | 17,141,000 | 17,747,000 | 18,055,000 | 16,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,470,000 | 2,892,000 | 4,325,000 | 5,686,000 |
| Interest expense | 401,000 | 782,000 | 1,153,000 | 1,508,000 |
| Net interest income | 1,069,000 | 2,110,000 | 3,172,000 | 4,178,000 |
| Noninterest income | 339,000 | 693,000 | 1,046,000 | 1,459,000 |
| Noninterest expense | 1,246,000 | 2,487,000 | 3,763,000 | 4,993,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 250,000 |
| Pretax income | 203,000 | 376,000 | 595,000 | 672,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 9,000 |
| Net income | 200,000 | 369,000 | 585,000 | 663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,803,000 | 15,791,000 | 15,827,000 | 15,726,000 |
| Total capital | 16,326,000 | 16,329,000 | 16,380,000 | 16,306,000 |
| Risk-weighted assets | 73,905,000 | 73,507,000 | 70,508,000 | 71,659,000 |