Call reports 2012
PEOPLE'S BANK OF SENECA — 2012
What PEOPLE'S BANK OF SENECA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 94,810,000 | 92,682,000 | 95,348,000 | 92,623,000 |
| Total loans | 59,350,000 | 62,835,000 | 66,860,000 | 68,644,000 |
| Allowance for loan losses | 928,000 | 1,110,000 | 1,185,000 | 1,130,000 |
| Securities available for sale | 23,052,000 | 19,481,000 | 17,961,000 | 14,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,024,000 | 83,730,000 | 76,214,000 | 76,265,000 |
| Interest-bearing deposits | 68,197,000 | 66,774,000 | 57,723,000 | 59,075,000 |
| Noninterest-bearing deposits | 17,827,000 | 16,956,000 | 18,491,000 | 17,190,000 |
| Equity capital | 8,360,000 | 8,702,000 | 8,981,000 | 9,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,048,000 | 2,131,000 | 3,252,000 | 4,397,000 |
| Interest expense | 166,000 | 327,000 | 477,000 | 627,000 |
| Net interest income | 882,000 | 1,804,000 | 2,775,000 | 3,770,000 |
| Noninterest income | 257,000 | 548,000 | 809,000 | 1,113,000 |
| Noninterest expense | 526,000 | 1,081,000 | 1,768,000 | 2,566,000 |
| Provision for loan losses | 130,000 | 285,000 | 375,000 | 455,000 |
| Pretax income | 483,000 | 1,071,000 | 1,526,000 | 1,960,000 |
| Income tax | 19,000 | 224,000 | 409,000 | 629,000 |
| Net income | 464,000 | 847,000 | 1,117,000 | 1,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,114,000 | 8,497,000 | 8,767,000 | 8,982,000 |
| Total capital | 8,854,000 | 9,336,000 | 9,720,000 | 9,780,000 |
| Risk-weighted assets | 59,025,000 | 66,876,000 | 76,337,000 | 77,224,000 |