Call reports 2012
SENB BANK — 2012
What SENB BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 142,390,000 | 145,983,000 | 145,812,000 | 149,661,000 |
| Total loans | 59,908,000 | 63,268,000 | 66,930,000 | 71,297,000 |
| Allowance for loan losses | 544,000 | 562,000 | 590,000 | 667,000 |
| Securities available for sale | 68,744,000 | 70,026,000 | 68,387,000 | 65,333,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,540,000 | 115,714,000 | 114,496,000 | 119,729,000 |
| Interest-bearing deposits | 95,571,000 | 93,818,000 | 91,624,000 | 95,826,000 |
| Noninterest-bearing deposits | 20,969,000 | 21,896,000 | 22,872,000 | 23,903,000 |
| Equity capital | 17,695,000 | 18,333,000 | 18,751,000 | 18,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,269,000 | 2,556,000 | 3,879,000 | 5,200,000 |
| Interest expense | 240,000 | 437,000 | 626,000 | 803,000 |
| Net interest income | 1,029,000 | 2,119,000 | 3,253,000 | 4,397,000 |
| Noninterest income | 345,000 | 755,000 | 1,204,000 | 1,676,000 |
| Noninterest expense | 1,361,000 | 2,604,000 | 3,955,000 | 5,202,000 |
| Provision for loan losses | 19,000 | 34,000 | 61,000 | 136,000 |
| Pretax income | 104,000 | 346,000 | 551,000 | 845,000 |
| Income tax | 2,000 | 1,000 | 3,000 | 6,000 |
| Net income | 102,000 | 345,000 | 548,000 | 839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,702,000 | 15,904,000 | 16,048,000 | 16,293,000 |
| Total capital | 16,246,000 | 16,466,000 | 16,638,000 | 16,960,000 |
| Risk-weighted assets | 68,890,000 | 72,584,000 | 76,821,000 | 79,430,000 |