Call reports 2004
PEOPLE'S BANK OF SENECA — 2004
What PEOPLE'S BANK OF SENECA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 34,378,000 | 30,399,000 | 30,238,000 | 31,052,000 |
| Total loans | 20,608,000 | 19,463,000 | 18,286,000 | 17,224,000 |
| Allowance for loan losses | 486,000 | 477,000 | 477,000 | 432,000 |
| Securities available for sale | 5,841,000 | 7,237,000 | 7,398,000 | 9,222,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,795,000 | 27,836,000 | 27,532,000 | 28,361,000 |
| Interest-bearing deposits | 24,864,000 | 21,121,000 | 18,000,000 | 16,609,000 |
| Noninterest-bearing deposits | 6,931,000 | 6,715,000 | 9,532,000 | 11,752,000 |
| Equity capital | 2,504,000 | 2,471,000 | 2,597,000 | 2,637,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 478,000 | 911,000 | 1,349,000 | 1,797,000 |
| Interest expense | 121,000 | 209,000 | 276,000 | 343,000 |
| Net interest income | 357,000 | 702,000 | 1,073,000 | 1,454,000 |
| Noninterest income | 97,000 | 125,000 | 210,000 | 336,000 |
| Noninterest expense | 315,000 | 696,000 | 1,061,000 | 1,426,000 |
| Provision for loan losses | 70,000 | 115,000 | 115,000 | 127,000 |
| Pretax income | 69,000 | 16,000 | 107,000 | 237,000 |
| Income tax | 15,000 | 10,000 | 19,000 | 82,000 |
| Net income | 54,000 | 6,000 | 88,000 | 155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,440,000 | 2,403,000 | 2,486,000 | 2,639,000 |
| Total capital | 2,693,000 | 2,636,000 | 2,714,000 | 2,861,000 |
| Risk-weighted assets | 19,999,000 | 18,429,000 | 17,229,000 | 16,749,000 |