Call reports 2012
SENECA SAVINGS BANK, NATIONAL ASSOCIATION — 2012
What SENECA SAVINGS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 144,430,000 | 146,627,000 | 146,916,000 | 144,709,000 |
| Total loans | 90,278,000 | 88,625,000 | 86,567,000 | 85,671,000 |
| Allowance for loan losses | 1,000,000 | 1,240,000 | 1,244,000 | 1,245,000 |
| Securities available for sale | 3,242,000 | 3,234,000 | 3,086,000 | 3,126,000 |
| Securities held to maturity | 24,046,000 | 22,537,000 | 23,028,000 | 21,475,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,400,000 | 117,036,000 | 118,020,000 | 116,635,000 |
| Interest-bearing deposits | 105,481,000 | 106,468,000 | 106,388,000 | 105,795,000 |
| Noninterest-bearing deposits | 9,919,000 | 10,568,000 | 11,632,000 | 10,840,000 |
| Equity capital | 10,682,000 | 10,624,000 | 10,762,000 | 10,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,451,000 | 2,859,000 | 4,184,000 | 5,472,000 |
| Interest expense | 455,000 | 887,000 | 1,300,000 | 1,694,000 |
| Net interest income | 996,000 | 1,972,000 | 2,884,000 | 3,778,000 |
| Noninterest income | 221,000 | 410,000 | 581,000 | 754,000 |
| Noninterest expense | 958,000 | 1,935,000 | 2,886,000 | 4,103,000 |
| Provision for loan losses | 0 | 239,000 | 239,000 | 239,000 |
| Pretax income | 264,000 | 215,000 | 348,000 | 199,000 |
| Income tax | 12,000 | 17,000 | 16,000 | 24,000 |
| Net income | 252,000 | 198,000 | 332,000 | 175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,679,000 | 12,626,000 | 12,760,000 | 12,604,000 |
| Total capital | 13,461,000 | 13,403,000 | 13,519,000 | 13,324,000 |
| Risk-weighted assets | 63,592,000 | 63,283,000 | 62,042,000 | 59,008,000 |