Call reports 2016
PEOPLE'S BANK OF SENECA — 2016
What PEOPLE'S BANK OF SENECA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 153,778,000 | 161,342,000 | 164,954,000 | 163,478,000 |
| Total loans | 108,352,000 | 115,154,000 | 124,610,000 | 125,587,000 |
| Allowance for loan losses | 1,167,000 | 1,099,000 | 1,186,000 | 1,144,000 |
| Securities available for sale | 27,589,000 | 27,021,000 | 23,335,000 | 21,830,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,106,000 | 138,533,000 | 146,251,000 | 146,974,000 |
| Interest-bearing deposits | 114,058,000 | 112,360,000 | 116,547,000 | 117,613,000 |
| Noninterest-bearing deposits | 26,048,000 | 26,173,000 | 29,704,000 | 29,361,000 |
| Equity capital | 13,034,000 | 13,657,000 | 14,145,000 | 14,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,657,000 | 3,363,000 | 5,182,000 | 6,995,000 |
| Interest expense | 191,000 | 384,000 | 594,000 | 802,000 |
| Net interest income | 1,466,000 | 2,979,000 | 4,588,000 | 6,193,000 |
| Noninterest income | 534,000 | 889,000 | 1,326,000 | 1,670,000 |
| Noninterest expense | 1,015,000 | 1,996,000 | 2,923,000 | 4,046,000 |
| Provision for loan losses | 196,000 | 290,000 | 430,000 | 560,000 |
| Pretax income | 789,000 | 1,661,000 | 2,655,000 | 3,354,000 |
| Income tax | 272,000 | 628,000 | 1,047,000 | 1,215,000 |
| Net income | 517,000 | 1,033,000 | 1,608,000 | 2,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,867,000 | 13,439,000 | 14,014,000 | 14,545,000 |
| Total capital | 14,034,000 | 14,538,000 | 15,200,000 | 15,689,000 |
| Risk-weighted assets | 118,726,000 | 125,495,000 | 137,984,000 | 134,822,000 |