Call reports 2023
PEOPLE'S BANK OF SENECA — 2023
What PEOPLE'S BANK OF SENECA reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 406,647,000 | 412,423,000 | 408,558,000 | 427,842,000 |
| Total loans | 326,468,000 | 331,711,000 | 337,927,000 | 348,824,000 |
| Allowance for loan losses | 4,388,000 | 4,265,000 | 4,386,000 | 4,427,000 |
| Securities available for sale | 48,242,000 | 46,866,000 | 33,951,000 | 34,736,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,130,000 | 353,829,000 | 344,935,000 | 362,387,000 |
| Interest-bearing deposits | 292,949,000 | 309,803,000 | 310,032,000 | 325,985,000 |
| Noninterest-bearing deposits | 58,181,000 | 44,026,000 | 34,903,000 | 36,402,000 |
| Equity capital | 30,814,000 | 32,488,000 | 33,946,000 | 36,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,681,000 | 9,857,000 | 15,400,000 | 21,292,000 |
| Interest expense | 1,157,000 | 2,360,000 | 3,860,000 | 5,899,000 |
| Net interest income | 3,524,000 | 7,497,000 | 11,540,000 | 15,393,000 |
| Noninterest income | 272,000 | 626,000 | 1,240,000 | 1,562,000 |
| Noninterest expense | 1,887,000 | 3,691,000 | 5,561,000 | 7,764,000 |
| Provision for loan losses | 0 | -123,000 | 2,000 | 62,000 |
| Pretax income | 1,909,000 | 4,402,000 | 6,783,000 | 8,650,000 |
| Income tax | 342,000 | 993,000 | 1,577,000 | 1,917,000 |
| Net income | 1,567,000 | 3,409,000 | 5,206,000 | 6,733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,636,000 | 36,477,000 | 38,275,000 | 39,802,000 |
| Total capital | — | 40,919,000 | 43,411,000 | — |
| Risk-weighted assets | — | 354,853,000 | 410,915,000 | — |