Call reports 2017
PEOPLE'S BANK OF SENECA — 2017
What PEOPLE'S BANK OF SENECA reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 170,289,000 | 183,441,000 | 177,429,000 | 179,398,000 |
| Total loans | 125,455,000 | 135,957,000 | 137,224,000 | 140,021,000 |
| Allowance for loan losses | 1,577,000 | 1,658,000 | 1,408,000 | 1,512,000 |
| Securities available for sale | 22,368,000 | 22,767,000 | 20,895,000 | 20,409,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,324,000 | 164,000,000 | 161,335,000 | 161,418,000 |
| Interest-bearing deposits | 125,225,000 | 138,038,000 | 137,650,000 | 142,267,000 |
| Noninterest-bearing deposits | 30,099,000 | 25,962,000 | 23,685,000 | 19,151,000 |
| Equity capital | 14,345,000 | 14,962,000 | 15,388,000 | 15,937,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,823,000 | 3,767,000 | 5,765,000 | 7,787,000 |
| Interest expense | 211,000 | 441,000 | 719,000 | 998,000 |
| Net interest income | 1,612,000 | 3,326,000 | 5,046,000 | 6,789,000 |
| Noninterest income | 454,000 | 882,000 | 1,160,000 | 1,576,000 |
| Noninterest expense | 1,007,000 | 2,096,000 | 3,250,000 | 4,487,000 |
| Provision for loan losses | 600,000 | 680,000 | 800,000 | 990,000 |
| Pretax income | 462,000 | 1,435,000 | 2,159,000 | 2,912,000 |
| Income tax | 175,000 | 725,000 | 1,007,000 | 1,074,000 |
| Net income | 287,000 | 710,000 | 1,152,000 | 1,838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,581,000 | 15,005,000 | 15,447,000 | 16,170,000 |
| Total capital | 16,158,000 | 16,663,000 | 16,855,000 | 17,682,000 |
| Risk-weighted assets | 138,204,000 | 149,722,000 | 150,908,000 | 156,288,000 |