Call reports 2025
PEOPLE'S BANK OF SENECA — 2025
What PEOPLE'S BANK OF SENECA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 479,462,000 | 477,606,000 | 459,078,000 | 482,991,000 |
| Total loans | 403,348,000 | 404,970,000 | 396,201,000 | 413,302,000 |
| Allowance for loan losses | 5,136,000 | 5,254,000 | 5,322,000 | 5,300,000 |
| Securities available for sale | 29,350,000 | 26,509,000 | 25,470,000 | 22,356,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 422,497,000 | 429,557,000 | 408,735,000 | 410,757,000 |
| Interest-bearing deposits | 376,238,000 | 388,200,000 | 366,875,000 | 365,006,000 |
| Noninterest-bearing deposits | 46,259,000 | 41,357,000 | 41,860,000 | 45,751,000 |
| Equity capital | 42,329,000 | 43,974,000 | 45,042,000 | 46,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,063,000 | 14,319,000 | 21,688,000 | 28,803,000 |
| Interest expense | 3,186,000 | 6,455,000 | 9,730,000 | 12,874,000 |
| Net interest income | 3,877,000 | 7,864,000 | 11,958,000 | 15,929,000 |
| Noninterest income | 299,000 | 603,000 | 923,000 | 1,257,000 |
| Noninterest expense | 2,026,000 | 4,171,000 | 6,464,000 | 8,887,000 |
| Provision for loan losses | 225,000 | 375,000 | 455,000 | 617,000 |
| Pretax income | 1,925,000 | 3,921,000 | 5,986,000 | 7,869,000 |
| Income tax | 535,000 | 1,077,000 | 1,596,000 | 2,160,000 |
| Net income | 1,390,000 | 2,844,000 | 4,390,000 | 5,709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,817,000 | 46,271,000 | 46,974,000 | 48,284,000 |