Call reports 2015
PEOPLE'S BANK OF SENECA — 2015
What PEOPLE'S BANK OF SENECA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 136,627,000 | 147,042,000 | 145,424,000 | 149,252,000 |
| Total loans | 94,864,000 | 99,147,000 | 103,820,000 | 106,850,000 |
| Allowance for loan losses | 1,222,000 | 1,111,000 | 993,000 | 1,048,000 |
| Securities available for sale | 24,657,000 | 28,783,000 | 24,892,000 | 23,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,390,000 | 131,830,000 | 128,889,000 | 136,212,000 |
| Interest-bearing deposits | 104,548,000 | 109,554,000 | 105,949,000 | 112,362,000 |
| Noninterest-bearing deposits | 19,842,000 | 22,276,000 | 22,940,000 | 23,850,000 |
| Equity capital | 11,584,000 | 11,899,000 | 12,409,000 | 12,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,425,000 | 2,907,000 | 4,478,000 | 6,124,000 |
| Interest expense | 174,000 | 351,000 | 535,000 | 715,000 |
| Net interest income | 1,251,000 | 2,556,000 | 3,943,000 | 5,409,000 |
| Noninterest income | 389,000 | 686,000 | 1,051,000 | 1,309,000 |
| Noninterest expense | 886,000 | 1,713,000 | 2,622,000 | 3,722,000 |
| Provision for loan losses | 90,000 | 220,000 | 340,000 | 445,000 |
| Pretax income | 664,000 | 1,309,000 | 2,031,000 | 2,550,000 |
| Income tax | 82,000 | 324,000 | 657,000 | 804,000 |
| Net income | 582,000 | 985,000 | 1,374,000 | 1,746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,500,000 | 11,903,000 | 12,288,000 | 12,656,000 |
| Total capital | 12,722,000 | 13,014,000 | 13,281,000 | 13,704,000 |
| Risk-weighted assets | 105,429,000 | 113,132,000 | 116,811,000 | 117,374,000 |