Call reports 2015
SENB BANK — 2015
What SENB BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 186,669,000 | 188,130,000 | 186,882,000 | 194,459,000 |
| Total loans | 88,468,000 | 90,625,000 | 92,988,000 | 102,515,000 |
| Allowance for loan losses | 814,000 | 842,000 | 878,000 | 1,020,000 |
| Securities available for sale | 79,890,000 | 82,912,000 | 81,208,000 | 77,496,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,948,000 | 160,057,000 | 154,683,000 | 153,986,000 |
| Interest-bearing deposits | 123,899,000 | 123,859,000 | 118,690,000 | 118,723,000 |
| Noninterest-bearing deposits | 35,049,000 | 36,198,000 | 35,993,000 | 35,263,000 |
| Equity capital | 19,345,000 | 18,475,000 | 19,095,000 | 19,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,647,000 | 3,286,000 | 4,915,000 | 6,564,000 |
| Interest expense | 147,000 | 292,000 | 420,000 | 549,000 |
| Net interest income | 1,500,000 | 2,994,000 | 4,495,000 | 6,015,000 |
| Noninterest income | 652,000 | 1,101,000 | 1,529,000 | 1,958,000 |
| Noninterest expense | 1,525,000 | 3,096,000 | 4,754,000 | 6,456,000 |
| Provision for loan losses | 25,000 | 51,000 | 79,000 | 107,000 |
| Pretax income | 602,000 | 952,000 | 1,229,000 | 1,459,000 |
| Income tax | 2,000 | 9,000 | 14,000 | 19,000 |
| Net income | 600,000 | 943,000 | 1,215,000 | 1,440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,792,000 | 18,009,000 | 18,143,000 | 19,109,000 |
| Total capital | 18,740,000 | 18,985,000 | 19,155,000 | 20,263,000 |
| Risk-weighted assets | 102,603,000 | 97,397,000 | 100,043,000 | 107,300,000 |