Call reports 2006
PEOPLE'S BANK OF SENECA — 2006
What PEOPLE'S BANK OF SENECA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 37,870,000 | 38,716,000 | 43,907,000 | 48,732,000 |
| Total loans | 15,168,000 | 17,939,000 | 21,681,000 | 21,931,000 |
| Allowance for loan losses | 346,000 | 383,000 | 392,000 | 383,000 |
| Securities available for sale | 18,740,000 | 18,015,000 | 17,499,000 | 18,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,946,000 | 35,637,000 | 40,665,000 | 45,191,000 |
| Interest-bearing deposits | 17,414,000 | 19,478,000 | 22,068,000 | 20,286,000 |
| Noninterest-bearing deposits | 17,532,000 | 16,159,000 | 18,597,000 | 24,905,000 |
| Equity capital | 2,831,000 | 2,875,000 | 3,108,000 | 3,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 531,000 | 1,080,000 | 1,721,000 | 2,464,000 |
| Interest expense | 150,000 | 246,000 | 415,000 | 636,000 |
| Net interest income | 381,000 | 834,000 | 1,306,000 | 1,828,000 |
| Noninterest income | 123,000 | 255,000 | 363,000 | 486,000 |
| Noninterest expense | 369,000 | 735,000 | 1,089,000 | 1,474,000 |
| Provision for loan losses | 5,000 | 42,000 | 75,000 | 85,000 |
| Pretax income | 130,000 | 312,000 | 505,000 | 755,000 |
| Income tax | 38,000 | 107,000 | 170,000 | 269,000 |
| Net income | 92,000 | 205,000 | 335,000 | 486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,012,000 | 3,125,000 | 3,255,000 | 3,406,000 |
| Total capital | 3,235,000 | 3,379,000 | 3,569,000 | 3,714,000 |
| Risk-weighted assets | 17,701,000 | 20,161,000 | 25,124,000 | 24,738,000 |