Call reports 2019
SENB BANK — 2019
What SENB BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 226,942,000 | 310,757,000 | 297,376,000 | 298,401,000 |
| Total loans | 148,991,000 | 218,815,000 | 211,614,000 | 213,763,000 |
| Allowance for loan losses | 1,373,000 | 2,148,000 | 2,217,000 | 2,211,000 |
| Securities available for sale | 58,804,000 | 64,467,000 | 62,410,000 | 59,130,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,087,000 | 242,033,000 | 227,622,000 | 228,880,000 |
| Interest-bearing deposits | 135,908,000 | 189,244,000 | 175,235,000 | 180,848,000 |
| Noninterest-bearing deposits | 37,178,000 | 52,790,000 | 52,387,000 | 48,033,000 |
| Equity capital | 22,165,000 | 29,239,000 | 30,186,000 | 30,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,292,000 | 6,317,000 | 9,798,000 | 13,191,000 |
| Interest expense | 367,000 | 845,000 | 1,269,000 | 1,729,000 |
| Net interest income | 1,925,000 | 5,472,000 | 8,529,000 | 11,462,000 |
| Noninterest income | 527,000 | 1,197,000 | 2,052,000 | 2,798,000 |
| Noninterest expense | 1,967,000 | 4,741,000 | 7,523,000 | 10,649,000 |
| Provision for loan losses | 90,000 | 860,000 | 950,000 | 1,040,000 |
| Pretax income | 395,000 | 1,083,000 | 2,123,000 | 2,587,000 |
| Income tax | 6,000 | 25,000 | 43,000 | 60,000 |
| Net income | 389,000 | 1,058,000 | 2,080,000 | 2,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,727,000 | 27,284,000 | 27,965,000 | 26,384,000 |
| Total capital | 24,100,000 | 29,432,000 | 30,182,000 | 28,595,000 |
| Risk-weighted assets | 164,726,000 | 234,360,000 | 233,607,000 | 241,063,000 |