Call reports 2002
PEOPLE'S BANK OF SENECA — 2002
What PEOPLE'S BANK OF SENECA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 29,264,000 | 31,383,000 | 32,673,000 | 32,560,000 |
| Total loans | 20,954,000 | 21,621,000 | 21,513,000 | 21,540,000 |
| Allowance for loan losses | 288,000 | 288,000 | 351,000 | 357,000 |
| Securities available for sale | 5,840,000 | 6,863,000 | 7,099,000 | 8,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,628,000 | 28,738,000 | 30,011,000 | 29,863,000 |
| Interest-bearing deposits | 22,876,000 | 25,136,000 | 25,874,000 | 26,787,000 |
| Noninterest-bearing deposits | 3,752,000 | 3,602,000 | 4,137,000 | 3,076,000 |
| Equity capital | 2,449,000 | 2,514,000 | 2,497,000 | 2,508,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 508,000 | 1,025,000 | 1,548,000 | 2,052,000 |
| Interest expense | 262,000 | 486,000 | 711,000 | 933,000 |
| Net interest income | 246,000 | 539,000 | 837,000 | 1,119,000 |
| Noninterest income | 96,000 | 141,000 | 203,000 | 277,000 |
| Noninterest expense | 213,000 | 455,000 | 700,000 | 967,000 |
| Provision for loan losses | 50,000 | 67,000 | 195,000 | 240,000 |
| Pretax income | 79,000 | 158,000 | 145,000 | 189,000 |
| Income tax | 12,000 | 29,000 | 35,000 | 32,000 |
| Net income | 67,000 | 129,000 | 110,000 | 157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,363,000 | 2,429,000 | 2,414,000 | 2,419,000 |
| Total capital | 2,592,000 | 2,661,000 | 2,649,000 | 2,652,000 |
| Risk-weighted assets | 18,265,000 | 18,518,000 | 18,660,000 | 18,489,000 |