Call reports 2015
SENECA SAVINGS BANK, NATIONAL ASSOCIATION — 2015
What SENECA SAVINGS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 135,021,000 | 133,973,000 | 135,796,000 | 138,017,000 |
| Total loans | 91,361,000 | 94,721,000 | 101,844,000 | 106,128,000 |
| Allowance for loan losses | 1,219,000 | 1,218,000 | 1,218,000 | 1,218,000 |
| Securities available for sale | 31,451,000 | 30,704,000 | 26,144,000 | 22,664,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,745,000 | 103,612,000 | 103,607,000 | 110,960,000 |
| Interest-bearing deposits | 88,191,000 | 91,366,000 | 90,459,000 | 96,494,000 |
| Noninterest-bearing deposits | 11,554,000 | 12,246,000 | 13,148,000 | 14,466,000 |
| Equity capital | 11,864,000 | 11,753,000 | 12,022,000 | 11,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,230,000 | 2,505,000 | 3,817,000 | 5,167,000 |
| Interest expense | 143,000 | 306,000 | 482,000 | 681,000 |
| Net interest income | 1,087,000 | 2,199,000 | 3,335,000 | 4,486,000 |
| Noninterest income | 174,000 | 351,000 | 520,000 | 678,000 |
| Noninterest expense | 1,115,000 | 2,232,000 | 3,356,000 | 4,655,000 |
| Provision for loan losses | 8,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | 154,000 | 335,000 | 523,000 | 549,000 |
| Income tax | 29,000 | 91,000 | 171,000 | 67,000 |
| Net income | 125,000 | 244,000 | 352,000 | 482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,768,000 | 12,887,000 | 12,995,000 | 13,126,000 |
| Total capital | 13,754,000 | 13,793,000 | 13,945,000 | 14,104,000 |
| Risk-weighted assets | 78,688,000 | 72,135,000 | 75,693,000 | 77,949,000 |