Call reports 2011
SENB BANK — 2011
What SENB BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 136,348,000 | 133,587,000 | 136,783,000 | 139,026,000 |
| Total loans | 56,449,000 | 57,433,000 | 57,349,000 | 56,897,000 |
| Allowance for loan losses | 595,000 | 584,000 | 509,000 | 530,000 |
| Securities available for sale | 66,712,000 | 66,948,000 | 68,526,000 | 67,848,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,122,000 | 110,138,000 | 111,255,000 | 114,104,000 |
| Interest-bearing deposits | 92,869,000 | 91,940,000 | 91,866,000 | 95,808,000 |
| Noninterest-bearing deposits | 21,253,000 | 18,198,000 | 19,389,000 | 18,296,000 |
| Equity capital | 16,651,000 | 17,382,000 | 17,900,000 | 17,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,304,000 | 2,623,000 | 3,944,000 | 5,248,000 |
| Interest expense | 314,000 | 610,000 | 889,000 | 1,153,000 |
| Net interest income | 990,000 | 2,013,000 | 3,055,000 | 4,095,000 |
| Noninterest income | 325,000 | 620,000 | 970,000 | 1,321,000 |
| Noninterest expense | 1,274,000 | 2,605,000 | 3,967,000 | 5,070,000 |
| Provision for loan losses | 15,000 | 30,000 | 51,000 | 73,000 |
| Pretax income | 70,000 | 244,000 | 253,000 | 544,000 |
| Income tax | 4,000 | 6,000 | 10,000 | 10,000 |
| Net income | 66,000 | 238,000 | 243,000 | 534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,632,000 | 15,644,000 | 15,488,000 | 15,600,000 |
| Total capital | 16,227,000 | 16,228,000 | 15,997,000 | 16,130,000 |
| Risk-weighted assets | 72,293,000 | 69,391,000 | 70,243,000 | 67,655,000 |