Call reports 2013
PEOPLE'S BANK OF SENECA — 2013
What PEOPLE'S BANK OF SENECA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 97,696,000 | 99,641,000 | 101,063,000 | 109,083,000 |
| Total loans | 72,178,000 | 74,893,000 | 77,644,000 | 77,988,000 |
| Allowance for loan losses | 1,187,000 | 1,191,000 | 1,281,000 | 1,313,000 |
| Securities available for sale | 13,369,000 | 14,809,000 | 12,448,000 | 12,269,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,007,000 | 85,275,000 | 89,723,000 | 98,797,000 |
| Interest-bearing deposits | 67,714,000 | 70,265,000 | 74,140,000 | 82,222,000 |
| Noninterest-bearing deposits | 13,293,000 | 15,010,000 | 15,583,000 | 16,575,000 |
| Equity capital | 9,197,000 | 9,298,000 | 9,829,000 | 9,954,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,168,000 | 2,369,000 | 3,602,000 | 4,811,000 |
| Interest expense | 160,000 | 321,000 | 507,000 | 687,000 |
| Net interest income | 1,008,000 | 2,048,000 | 3,095,000 | 4,124,000 |
| Noninterest income | 200,000 | 529,000 | 993,000 | 1,272,000 |
| Noninterest expense | 765,000 | 1,516,000 | 2,271,000 | 3,112,000 |
| Provision for loan losses | 60,000 | 136,000 | 255,000 | 370,000 |
| Pretax income | 386,000 | 928,000 | 1,583,000 | 1,935,000 |
| Income tax | 69,000 | 294,000 | 504,000 | 696,000 |
| Net income | 317,000 | 634,000 | 1,079,000 | 1,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,049,000 | 9,366,000 | 9,791,000 | 9,950,000 |
| Total capital | 9,958,000 | 10,223,000 | 10,713,000 | 10,904,000 |
| Risk-weighted assets | 81,587,000 | 84,753,000 | 87,673,000 | 93,672,000 |