Call reports 2008
PEOPLE'S BANK OF SENECA — 2008
What PEOPLE'S BANK OF SENECA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 73,528,000 | 72,178,000 | 71,066,000 | 72,984,000 |
| Total loans | 34,080,000 | 36,948,000 | 38,006,000 | 40,746,000 |
| Allowance for loan losses | 508,000 | 580,000 | 557,000 | 638,000 |
| Securities available for sale | 32,973,000 | 29,235,000 | 28,274,000 | 26,707,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,015,000 | 65,182,000 | 59,706,000 | 57,040,000 |
| Interest-bearing deposits | 43,302,000 | 44,564,000 | 39,571,000 | 36,317,000 |
| Noninterest-bearing deposits | 17,713,000 | 20,618,000 | 20,135,000 | 20,723,000 |
| Equity capital | 4,858,000 | 4,634,000 | 4,957,000 | 5,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,038,000 | 2,085,000 | 3,099,000 | 4,121,000 |
| Interest expense | 358,000 | 675,000 | 967,000 | 1,207,000 |
| Net interest income | 680,000 | 1,410,000 | 2,132,000 | 2,914,000 |
| Noninterest income | 179,000 | 362,000 | 534,000 | 664,000 |
| Noninterest expense | 373,000 | 817,000 | 1,258,000 | 1,768,000 |
| Provision for loan losses | 65,000 | 195,000 | 255,000 | 340,000 |
| Pretax income | 421,000 | 760,000 | 1,153,000 | 1,470,000 |
| Income tax | 163,000 | 276,000 | 411,000 | 529,000 |
| Net income | 258,000 | 484,000 | 742,000 | 941,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,408,000 | 4,634,000 | 4,892,000 | 5,091,000 |
| Total capital | 4,866,000 | 5,111,000 | 5,374,000 | 5,696,000 |
| Risk-weighted assets | 36,639,000 | 38,035,000 | 38,654,000 | 48,332,000 |