Call reports 2020
PEOPLE'S BANK OF SENECA — 2020
What PEOPLE'S BANK OF SENECA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 247,517,000 | 266,709,000 | 269,727,000 | 274,450,000 |
| Total loans | 197,423,000 | 215,361,000 | 223,605,000 | 226,363,000 |
| Allowance for loan losses | 2,525,000 | 2,874,000 | 3,099,000 | 3,276,000 |
| Securities available for sale | 12,877,000 | 12,774,000 | 12,655,000 | 13,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,758,000 | 217,239,000 | 231,007,000 | 235,718,000 |
| Interest-bearing deposits | 187,796,000 | 180,479,000 | 198,447,000 | 204,158,000 |
| Noninterest-bearing deposits | 20,962,000 | 36,760,000 | 32,560,000 | 31,560,000 |
| Equity capital | 21,566,000 | 22,367,000 | 23,348,000 | 24,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,875,000 | 5,769,000 | 8,744,000 | 11,804,000 |
| Interest expense | 584,000 | 1,049,000 | 1,466,000 | 1,827,000 |
| Net interest income | 2,291,000 | 4,720,000 | 7,278,000 | 9,977,000 |
| Noninterest income | 365,000 | 715,000 | 1,012,000 | 1,586,000 |
| Noninterest expense | 1,335,000 | 2,626,000 | 4,150,000 | 5,548,000 |
| Provision for loan losses | 150,000 | 500,000 | 725,000 | 950,000 |
| Pretax income | 1,171,000 | 2,309,000 | 3,415,000 | 5,065,000 |
| Income tax | 250,000 | 690,000 | 814,000 | 1,138,000 |
| Net income | 921,000 | 1,619,000 | 2,601,000 | 3,927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,478,000 | 22,176,000 | 23,158,000 | 24,485,000 |
| Total capital | 24,003,000 | — | — | — |
| Risk-weighted assets | 214,716,000 | — | — | — |