Call reports 2023
SENB BANK — 2023
What SENB BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 |
|---|---|---|---|
| Total assets | 340,488,000 | 341,303,000 | 331,627,000 |
| Total loans | 239,622,000 | 239,540,000 | 245,150,000 |
| Allowance for loan losses | 3,118,000 | 3,079,000 | 3,079,000 |
| Securities available for sale | 63,723,000 | 61,633,000 | 57,295,000 |
| Securities held to maturity | 5,750,000 | 5,750,000 | 5,750,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 279,615,000 | 276,470,000 | 273,244,000 |
| Interest-bearing deposits | 208,945,000 | 211,230,000 | 210,690,000 |
| Noninterest-bearing deposits | 70,670,000 | 65,240,000 | 62,555,000 |
| Equity capital | 28,356,000 | 27,202,000 | 25,513,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 |
|---|---|---|---|
| Interest income | 3,673,000 | 7,569,000 | 11,575,000 |
| Interest expense | 420,000 | 1,188,000 | 2,167,000 |
| Net interest income | 3,253,000 | 6,381,000 | 9,408,000 |
| Noninterest income | 655,000 | 1,447,000 | 2,199,000 |
| Noninterest expense | 2,691,000 | 5,415,000 | 8,034,000 |
| Provision for loan losses | 45,000 | 45,000 | 45,000 |
| Pretax income | 1,177,000 | 2,372,000 | 3,532,000 |
| Income tax | 12,000 | 24,000 | 38,000 |
| Net income | 1,165,000 | 2,348,000 | 3,494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 |
|---|---|---|---|
| Tier 1 capital | 33,181,000 | 32,844,000 | 33,493,000 |
| Total capital | 36,299,000 | 35,923,000 | 36,572,000 |
| Risk-weighted assets | 296,264,000 | 293,560,000 | 260,777,000 |