Call reports 2003
PEOPLE'S BANK OF SENECA — 2003
What PEOPLE'S BANK OF SENECA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 32,478,000 | 31,152,000 | 30,305,000 | 32,512,000 |
| Total loans | 22,016,000 | 21,785,000 | 21,067,000 | 21,173,000 |
| Allowance for loan losses | 340,000 | 327,000 | 479,000 | 505,000 |
| Securities available for sale | 7,125,000 | 7,211,000 | 6,570,000 | 5,860,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,781,000 | 28,465,000 | 27,771,000 | 29,961,000 |
| Interest-bearing deposits | 26,054,000 | 24,566,000 | 23,699,000 | 24,841,000 |
| Noninterest-bearing deposits | 3,727,000 | 3,899,000 | 4,072,000 | 5,120,000 |
| Equity capital | 2,555,000 | 2,598,000 | 2,448,000 | 2,482,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 496,000 | 984,000 | 1,476,000 | 1,950,000 |
| Interest expense | 203,000 | 361,000 | 497,000 | 623,000 |
| Net interest income | 293,000 | 623,000 | 979,000 | 1,327,000 |
| Noninterest income | 49,000 | 106,000 | 184,000 | 217,000 |
| Noninterest expense | 231,000 | 488,000 | 769,000 | 1,071,000 |
| Provision for loan losses | 55,000 | 135,000 | 432,000 | 477,000 |
| Pretax income | 56,000 | 106,000 | -38,000 | -4,000 |
| Income tax | 6,000 | 15,000 | 15,000 | 12,000 |
| Net income | 50,000 | 91,000 | -53,000 | -16,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,473,000 | 2,519,000 | 2,374,000 | 2,396,000 |
| Total capital | 2,713,000 | 2,752,000 | 2,612,000 | 2,647,000 |
| Risk-weighted assets | 19,131,000 | 18,515,000 | 18,813,000 | 19,859,000 |