Call reports 2005
PEOPLE'S BANK OF SENECA — 2005
What PEOPLE'S BANK OF SENECA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 35,218,000 | 33,306,000 | 35,400,000 | 37,141,000 |
| Total loans | 14,806,000 | 13,238,000 | 12,285,000 | 12,952,000 |
| Allowance for loan losses | 430,000 | 392,000 | 363,000 | 359,000 |
| Securities available for sale | 12,686,000 | 17,246,000 | 16,481,000 | 18,514,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,420,000 | 30,365,000 | 32,451,000 | 34,239,000 |
| Interest-bearing deposits | 15,826,000 | 18,088,000 | 20,940,000 | 19,134,000 |
| Noninterest-bearing deposits | 16,594,000 | 12,277,000 | 11,511,000 | 15,105,000 |
| Equity capital | 2,715,000 | 2,745,000 | 2,773,000 | 2,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 449,000 | 913,000 | 1,375,000 | 1,853,000 |
| Interest expense | 66,000 | 161,000 | 275,000 | 397,000 |
| Net interest income | 383,000 | 752,000 | 1,100,000 | 1,456,000 |
| Noninterest income | 134,000 | 245,000 | 353,000 | 455,000 |
| Noninterest expense | 345,000 | 769,000 | 1,101,000 | 1,496,000 |
| Provision for loan losses | 17,000 | 0 | 0 | 0 |
| Pretax income | 155,000 | 228,000 | 349,000 | 415,000 |
| Income tax | 50,000 | 77,000 | 119,000 | 134,000 |
| Net income | 105,000 | 151,000 | 230,000 | 281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,742,000 | 2,749,000 | 2,826,000 | 2,917,000 |
| Total capital | 2,956,000 | 2,947,000 | 2,826,000 | 3,118,000 |
| Risk-weighted assets | 17,098,000 | 15,078,000 | 14,770,000 | 15,897,000 |