Call reports 2022
SENB BANK — 2022
What SENB BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 361,590,000 | 360,465,000 | 342,796,000 | 337,371,000 |
| Total loans | 213,016,000 | 219,058,000 | 220,959,000 | 231,559,000 |
| Allowance for loan losses | 3,085,000 | 3,106,000 | 3,153,000 | 3,079,000 |
| Securities available for sale | 70,279,000 | 69,157,000 | 64,336,000 | 64,321,000 |
| Securities held to maturity | 5,750,000 | 5,750,000 | 5,750,000 | 5,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,636,000 | 294,032,000 | 281,366,000 | 274,045,000 |
| Interest-bearing deposits | 218,407,000 | 211,919,000 | 203,605,000 | 205,393,000 |
| Noninterest-bearing deposits | 74,230,000 | 82,112,000 | 77,760,000 | 68,652,000 |
| Equity capital | 30,896,000 | 27,769,000 | 25,559,000 | 27,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,919,000 | 5,830,000 | 9,098,000 | 12,566,000 |
| Interest expense | 205,000 | 374,000 | 544,000 | 775,000 |
| Net interest income | 2,714,000 | 5,456,000 | 8,554,000 | 11,791,000 |
| Noninterest income | 700,000 | 1,605,000 | 2,374,000 | 3,077,000 |
| Noninterest expense | 2,690,000 | 5,378,000 | 8,172,000 | 10,809,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 684,000 | 1,599,000 | 2,627,000 | 3,885,000 |
| Income tax | 11,000 | 22,000 | 32,000 | 51,000 |
| Net income | 673,000 | 1,577,000 | 2,595,000 | 3,834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,110,000 | 32,234,000 | 32,219,000 | 33,256,000 |
| Total capital | 35,195,000 | 35,340,000 | 35,372,000 | 36,335,000 |
| Risk-weighted assets | 272,538,000 | 277,950,000 | 279,932,000 | 285,036,000 |