Call reports 2020
SENB BANK — 2020
What SENB BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 303,201,000 | 344,274,000 | 339,791,000 | 358,302,000 |
| Total loans | 215,205,000 | 234,284,000 | 236,033,000 | 236,601,000 |
| Allowance for loan losses | 2,299,000 | 2,685,000 | 2,749,000 | 2,738,000 |
| Securities available for sale | 53,401,000 | 61,307,000 | 64,841,000 | 62,798,000 |
| Securities held to maturity | 1,000,000 | 2,000,000 | 3,750,000 | 3,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,454,000 | 259,280,000 | 256,175,000 | 275,969,000 |
| Interest-bearing deposits | 185,145,000 | 194,880,000 | 193,444,000 | 210,093,000 |
| Noninterest-bearing deposits | 48,309,000 | 64,400,000 | 62,730,000 | 65,876,000 |
| Equity capital | 30,834,000 | 31,652,000 | 32,997,000 | 34,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,192,000 | 6,336,000 | 9,459,000 | 12,750,000 |
| Interest expense | 466,000 | 907,000 | 1,358,000 | 1,760,000 |
| Net interest income | 2,726,000 | 5,429,000 | 8,101,000 | 10,990,000 |
| Noninterest income | 618,000 | 1,909,000 | 2,975,000 | 4,030,000 |
| Noninterest expense | 2,611,000 | 5,670,000 | 8,233,000 | 11,111,000 |
| Provision for loan losses | 90,000 | 480,000 | 570,000 | 570,000 |
| Pretax income | 664,000 | 1,209,000 | 2,294,000 | 3,355,000 |
| Income tax | 18,000 | 36,000 | -15,000 | -15,000 |
| Net income | 646,000 | 1,173,000 | 2,309,000 | 3,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,706,000 | 27,308,000 | 28,515,000 | 29,638,000 |
| Total capital | 29,004,000 | 29,993,000 | 31,264,000 | 32,376,000 |
| Risk-weighted assets | 241,984,000 | 266,812,000 | 271,865,000 | 275,382,000 |