Call reports 2011
PEOPLE'S BANK OF SENECA — 2011
What PEOPLE'S BANK OF SENECA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 85,410,000 | 88,006,000 | 96,695,000 | 95,500,000 |
| Total loans | 54,958,000 | 56,722,000 | 65,196,000 | 57,457,000 |
| Allowance for loan losses | 883,000 | 863,000 | 934,000 | 953,000 |
| Securities available for sale | 21,482,000 | 23,679,000 | 24,354,000 | 23,333,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,352,000 | 78,897,000 | 82,262,000 | 75,243,000 |
| Interest-bearing deposits | 56,360,000 | 58,794,000 | 64,835,000 | 58,325,000 |
| Noninterest-bearing deposits | 20,992,000 | 20,103,000 | 17,427,000 | 16,918,000 |
| Equity capital | 6,953,000 | 7,593,000 | 7,972,000 | 8,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,030,000 | 2,070,000 | 3,156,000 | 4,254,000 |
| Interest expense | 182,000 | 361,000 | 553,000 | 736,000 |
| Net interest income | 848,000 | 1,709,000 | 2,603,000 | 3,518,000 |
| Noninterest income | 240,000 | 431,000 | 635,000 | 835,000 |
| Noninterest expense | 558,000 | 996,000 | 1,597,000 | 2,192,000 |
| Provision for loan losses | 255,000 | 300,000 | 380,000 | 465,000 |
| Pretax income | 284,000 | 853,000 | 1,281,000 | 1,716,000 |
| Income tax | 87,000 | 217,000 | 377,000 | 567,000 |
| Net income | 197,000 | 636,000 | 904,000 | 1,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,948,000 | 7,385,000 | 7,655,000 | 7,900,000 |
| Total capital | 7,583,000 | 8,071,000 | 8,577,000 | 8,599,000 |
| Risk-weighted assets | 53,489,000 | 54,575,000 | 73,725,000 | 59,265,000 |