Call reports 2014
SENB BANK — 2014
What SENB BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 154,821,000 | 155,216,000 | 182,615,000 | 182,762,000 |
| Total loans | 77,150,000 | 79,381,000 | 94,758,000 | 93,676,000 |
| Allowance for loan losses | 744,000 | 769,000 | 770,000 | 798,000 |
| Securities available for sale | 64,914,000 | 64,737,000 | 65,756,000 | 70,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,969,000 | 126,099,000 | 153,333,000 | 155,488,000 |
| Interest-bearing deposits | 98,672,000 | 100,127,000 | 120,915,000 | 122,766,000 |
| Noninterest-bearing deposits | 24,297,000 | 25,972,000 | 32,418,000 | 32,722,000 |
| Equity capital | 17,111,000 | 17,612,000 | 17,766,000 | 18,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,334,000 | 2,688,000 | 4,067,000 | 5,666,000 |
| Interest expense | 149,000 | 299,000 | 448,000 | 608,000 |
| Net interest income | 1,185,000 | 2,389,000 | 3,619,000 | 5,058,000 |
| Noninterest income | 344,000 | 716,000 | 1,138,000 | 1,899,000 |
| Noninterest expense | 1,354,000 | 2,721,000 | 4,139,000 | 5,597,000 |
| Provision for loan losses | 22,000 | 48,000 | 74,000 | 99,000 |
| Pretax income | 157,000 | 340,000 | 548,000 | 1,265,000 |
| Income tax | 0 | 4,000 | 7,000 | 13,000 |
| Net income | 157,000 | 336,000 | 541,000 | 1,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,707,000 | 16,846,000 | 16,486,000 | 17,227,000 |
| Total capital | 17,451,000 | 17,615,000 | 17,390,000 | 18,159,000 |
| Risk-weighted assets | 82,250,000 | 84,107,000 | 99,301,000 | 100,794,000 |