Call reports 2014
SENECA SAVINGS BANK, NATIONAL ASSOCIATION — 2014
What SENECA SAVINGS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 127,501,000 | 127,640,000 | 126,119,000 | 130,285,000 |
| Total loans | 80,711,000 | 79,705,000 | 83,453,000 | 87,052,000 |
| Allowance for loan losses | 1,250,000 | 1,247,000 | 1,235,000 | 1,211,000 |
| Securities available for sale | 32,230,000 | 34,102,000 | 36,956,000 | 36,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,601,000 | 103,970,000 | 102,798,000 | 100,008,000 |
| Interest-bearing deposits | 93,727,000 | 93,137,000 | 90,612,000 | 88,136,000 |
| Noninterest-bearing deposits | 10,874,000 | 10,833,000 | 12,186,000 | 11,872,000 |
| Equity capital | 10,923,000 | 11,140,000 | 11,248,000 | 11,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,159,000 | 2,365,000 | 3,620,000 | 4,844,000 |
| Interest expense | 235,000 | 453,000 | 663,000 | 865,000 |
| Net interest income | 924,000 | 1,912,000 | 2,957,000 | 3,979,000 |
| Noninterest income | 195,000 | 353,000 | 547,000 | 677,000 |
| Noninterest expense | 990,000 | 2,026,000 | 3,119,000 | 4,441,000 |
| Provision for loan losses | 15,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 124,000 | 265,000 | 419,000 | 285,000 |
| Income tax | 24,000 | 85,000 | 96,000 | 104,000 |
| Net income | 100,000 | 180,000 | 323,000 | 181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,562,000 | 12,642,000 | 12,785,000 | 12,643,000 |
| Total capital | 13,340,000 | 13,440,000 | 13,638,000 | 13,529,000 |
| Risk-weighted assets | 62,653,000 | 63,702,000 | 67,934,000 | 71,316,000 |