Call reports 2009
PEOPLE'S BANK OF SENECA — 2009
What PEOPLE'S BANK OF SENECA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 73,077,000 | 77,783,000 | 87,345,000 | 90,140,000 |
| Total loans | 42,983,000 | 43,774,000 | 48,109,000 | 49,328,000 |
| Allowance for loan losses | 664,000 | 568,000 | 736,000 | 733,000 |
| Securities available for sale | 24,651,000 | 25,151,000 | 31,612,000 | 29,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,861,000 | 71,695,000 | 80,764,000 | 83,663,000 |
| Interest-bearing deposits | 44,052,000 | 52,226,000 | 54,869,000 | 58,955,000 |
| Noninterest-bearing deposits | 18,809,000 | 19,469,000 | 25,895,000 | 24,708,000 |
| Equity capital | 5,670,000 | 5,770,000 | 6,000,000 | 6,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 958,000 | 1,889,000 | 2,912,000 | 3,973,000 |
| Interest expense | 241,000 | 480,000 | 744,000 | 987,000 |
| Net interest income | 717,000 | 1,409,000 | 2,168,000 | 2,986,000 |
| Noninterest income | 152,000 | 247,000 | 373,000 | 480,000 |
| Noninterest expense | 447,000 | 930,000 | 1,438,000 | 1,949,000 |
| Provision for loan losses | 75,000 | 83,000 | 293,000 | 296,000 |
| Pretax income | 347,000 | 643,000 | 810,000 | 1,221,000 |
| Income tax | 81,000 | 177,000 | 280,000 | 393,000 |
| Net income | 266,000 | 466,000 | 530,000 | 828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,357,000 | 5,557,000 | 5,622,000 | 5,918,000 |
| Total capital | 5,971,000 | 6,125,000 | 6,294,000 | 6,625,000 |
| Risk-weighted assets | 47,709,000 | 52,480,000 | 53,695,000 | 56,516,000 |