Call reports 2013
SENB BANK — 2013
What SENB BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 152,648,000 | 151,230,000 | 152,899,000 | 157,777,000 |
| Total loans | 70,219,000 | 71,572,000 | 75,710,000 | 78,838,000 |
| Allowance for loan losses | 691,000 | 679,000 | 709,000 | 729,000 |
| Securities available for sale | 68,469,000 | 69,176,000 | 66,337,000 | 67,404,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,554,000 | 120,682,000 | 117,202,000 | 125,410,000 |
| Interest-bearing deposits | 95,739,000 | 94,840,000 | 93,165,000 | 98,405,000 |
| Noninterest-bearing deposits | 25,815,000 | 25,842,000 | 24,037,000 | 27,005,000 |
| Equity capital | 18,524,000 | 17,200,000 | 16,697,000 | 16,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,253,000 | 2,526,000 | 3,837,000 | 5,198,000 |
| Interest expense | 161,000 | 323,000 | 485,000 | 645,000 |
| Net interest income | 1,092,000 | 2,203,000 | 3,352,000 | 4,553,000 |
| Noninterest income | 389,000 | 780,000 | 1,140,000 | 1,529,000 |
| Noninterest expense | 1,353,000 | 2,701,000 | 4,025,000 | 5,451,000 |
| Provision for loan losses | 24,000 | 53,000 | 81,000 | 109,000 |
| Pretax income | 104,000 | 229,000 | 386,000 | 523,000 |
| Income tax | 3,000 | 7,000 | 12,000 | 16,000 |
| Net income | 101,000 | 222,000 | 374,000 | 507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,345,000 | 16,415,000 | 16,518,000 | 16,600,000 |
| Total capital | 17,036,000 | 17,094,000 | 17,227,000 | 17,329,000 |
| Risk-weighted assets | 77,294,000 | 78,030,000 | 82,669,000 | 85,553,000 |