Call reports 2007
PEOPLE'S BANK OF SENECA — 2007
What PEOPLE'S BANK OF SENECA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 49,386,000 | 55,585,000 | 62,119,000 | 67,483,000 |
| Total loans | 24,859,000 | 26,423,000 | 29,116,000 | 30,308,000 |
| Allowance for loan losses | 410,000 | 433,000 | 426,000 | 474,000 |
| Securities available for sale | 19,012,000 | 20,036,000 | 22,350,000 | 27,908,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,639,000 | 51,738,000 | 57,690,000 | 62,674,000 |
| Interest-bearing deposits | 23,952,000 | 26,061,000 | 45,621,000 | 44,423,000 |
| Noninterest-bearing deposits | 21,687,000 | 25,677,000 | 12,069,000 | 18,251,000 |
| Equity capital | 3,512,000 | 3,668,000 | 4,095,000 | 4,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 777,000 | 1,603,000 | 2,544,000 | 3,556,000 |
| Interest expense | 222,000 | 442,000 | 727,000 | 1,136,000 |
| Net interest income | 555,000 | 1,161,000 | 1,817,000 | 2,420,000 |
| Noninterest income | 122,000 | 244,000 | 386,000 | 533,000 |
| Noninterest expense | 357,000 | 734,000 | 1,115,000 | 1,582,000 |
| Provision for loan losses | 35,000 | 60,000 | 120,000 | 150,000 |
| Pretax income | 285,000 | 611,000 | 968,000 | 1,221,000 |
| Income tax | 100,000 | 204,000 | 313,000 | 402,000 |
| Net income | 185,000 | 407,000 | 655,000 | 819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,591,000 | 3,813,000 | 4,071,000 | 4,150,000 |
| Total capital | 3,929,000 | 4,175,000 | 4,472,000 | 4,561,000 |
| Risk-weighted assets | 26,865,000 | 28,869,000 | 32,200,000 | 33,621,000 |