Call reports 2010
PEOPLE'S BANK OF SENECA — 2010
What PEOPLE'S BANK OF SENECA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 84,200,000 | 84,451,000 | 84,469,000 | 85,679,000 |
| Total loans | 51,240,000 | 54,087,000 | 55,025,000 | 56,053,000 |
| Allowance for loan losses | 635,000 | 724,000 | 820,000 | 851,000 |
| Securities available for sale | 27,191,000 | 23,993,000 | 22,260,000 | 23,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,418,000 | 73,347,000 | 70,522,000 | 71,617,000 |
| Interest-bearing deposits | 51,248,000 | 45,650,000 | 47,084,000 | 52,665,000 |
| Noninterest-bearing deposits | 24,170,000 | 27,697,000 | 23,438,000 | 18,952,000 |
| Equity capital | 6,372,000 | 6,763,000 | 7,087,000 | 6,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,038,000 | 2,064,000 | 3,112,000 | 4,156,000 |
| Interest expense | 196,000 | 363,000 | 527,000 | 705,000 |
| Net interest income | 842,000 | 1,701,000 | 2,585,000 | 3,451,000 |
| Noninterest income | 168,000 | 364,000 | 530,000 | 738,000 |
| Noninterest expense | 556,000 | 1,072,000 | 1,601,000 | 2,205,000 |
| Provision for loan losses | 140,000 | 265,000 | 405,000 | 489,000 |
| Pretax income | 454,000 | 906,000 | 1,310,000 | 1,696,000 |
| Income tax | 102,000 | 252,000 | 397,000 | 589,000 |
| Net income | 352,000 | 654,000 | 913,000 | 1,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,245,000 | 6,547,000 | 6,807,000 | 7,000,000 |
| Total capital | 6,880,000 | 7,264,000 | 7,429,000 | 7,714,000 |
| Risk-weighted assets | 53,799,000 | 57,327,000 | 49,543,000 | 56,394,000 |