Call reports 2014
PEOPLE'S BANK OF SENECA — 2014
What PEOPLE'S BANK OF SENECA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 117,368,000 | 115,211,000 | 125,508,000 | 133,398,000 |
| Total loans | 78,181,000 | 81,541,000 | 83,799,000 | 91,570,000 |
| Allowance for loan losses | 1,410,000 | 1,397,000 | 1,199,000 | 1,144,000 |
| Securities available for sale | 21,201,000 | 21,665,000 | 23,145,000 | 22,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,022,000 | 104,511,000 | 114,378,000 | 121,746,000 |
| Interest-bearing deposits | 88,697,000 | 90,135,000 | 98,128,000 | 102,174,000 |
| Noninterest-bearing deposits | 18,325,000 | 14,376,000 | 16,250,000 | 19,572,000 |
| Equity capital | 9,909,000 | 10,368,000 | 10,702,000 | 11,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,173,000 | 2,427,000 | 3,720,000 | 5,102,000 |
| Interest expense | 196,000 | 384,000 | 576,000 | 767,000 |
| Net interest income | 977,000 | 2,043,000 | 3,144,000 | 4,335,000 |
| Noninterest income | 243,000 | 532,000 | 896,000 | 1,251,000 |
| Noninterest expense | 876,000 | 1,645,000 | 2,519,000 | 3,433,000 |
| Provision for loan losses | 155,000 | 155,000 | 155,000 | 230,000 |
| Pretax income | 189,000 | 775,000 | 1,361,000 | 2,000,000 |
| Income tax | -22,000 | 189,000 | 410,000 | 552,000 |
| Net income | 211,000 | 586,000 | 951,000 | 1,448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,908,000 | 10,284,000 | 10,649,000 | 11,144,000 |
| Total capital | 11,078,000 | 11,337,000 | 11,828,000 | 12,182,000 |
| Risk-weighted assets | 93,347,000 | 99,141,000 | 94,275,000 | 98,027,000 |