Call reports 2016
SENB BANK — 2016
What SENB BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 194,630,000 | 203,540,000 | 203,592,000 | 203,708,000 |
| Total loans | 99,070,000 | 109,022,000 | 110,377,000 | 111,684,000 |
| Allowance for loan losses | 1,052,000 | 1,085,000 | 1,112,000 | 1,078,000 |
| Securities available for sale | 79,452,000 | 81,198,000 | 78,033,000 | 75,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,980,000 | 162,157,000 | 155,915,000 | 156,150,000 |
| Interest-bearing deposits | 122,533,000 | 122,315,000 | 119,676,000 | 120,451,000 |
| Noninterest-bearing deposits | 37,447,000 | 39,842,000 | 36,239,000 | 35,699,000 |
| Equity capital | 20,806,000 | 22,062,000 | 21,933,000 | 19,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,806,000 | 3,651,000 | 5,414,000 | 7,232,000 |
| Interest expense | 138,000 | 278,000 | 411,000 | 545,000 |
| Net interest income | 1,668,000 | 3,373,000 | 5,003,000 | 6,687,000 |
| Noninterest income | 420,000 | 866,000 | 1,317,000 | 1,885,000 |
| Noninterest expense | 1,678,000 | 3,423,000 | 5,188,000 | 6,981,000 |
| Provision for loan losses | 27,000 | 56,000 | 89,000 | 114,000 |
| Pretax income | 383,000 | 760,000 | 1,124,000 | 1,565,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 28,000 |
| Net income | 377,000 | 748,000 | 1,106,000 | 1,537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,451,000 | 19,827,000 | 20,190,000 | 20,324,000 |
| Total capital | 20,637,000 | 21,046,000 | 21,436,000 | 21,536,000 |
| Risk-weighted assets | 105,980,000 | 113,917,000 | 113,798,000 | 109,956,000 |