Call reports 2016
SENECA SAVINGS BANK, NATIONAL ASSOCIATION — 2016
What SENECA SAVINGS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 141,021,000 | 146,140,000 | 154,434,000 | 162,593,000 |
| Total loans | 112,659,000 | 119,103,000 | 125,694,000 | 133,596,000 |
| Allowance for loan losses | 1,204,000 | 1,193,000 | 1,285,000 | 1,170,000 |
| Securities available for sale | 20,985,000 | 17,570,000 | 18,632,000 | 19,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,631,000 | 115,502,000 | 117,923,000 | 122,175,000 |
| Interest-bearing deposits | 97,480,000 | 99,835,000 | 102,862,000 | 107,149,000 |
| Noninterest-bearing deposits | 14,151,000 | 15,667,000 | 15,061,000 | 15,026,000 |
| Equity capital | 11,609,000 | 11,726,000 | 11,797,000 | 12,063,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,397,000 | 2,786,000 | 4,302,000 | 5,844,000 |
| Interest expense | 211,000 | 454,000 | 712,000 | 992,000 |
| Net interest income | 1,186,000 | 2,332,000 | 3,590,000 | 4,852,000 |
| Noninterest income | 152,000 | 260,000 | 571,000 | 713,000 |
| Noninterest expense | 1,161,000 | 2,333,000 | 3,531,000 | 4,731,000 |
| Provision for loan losses | 13,000 | 36,000 | 208,000 | 247,000 |
| Pretax income | 171,000 | 317,000 | 518,000 | 684,000 |
| Income tax | 46,000 | 99,000 | 155,000 | 96,000 |
| Net income | 125,000 | 218,000 | 363,000 | 588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,251,000 | 13,342,000 | 13,488,000 | 13,714,000 |
| Total capital | 14,244,000 | 14,392,000 | 14,573,000 | 14,884,000 |
| Risk-weighted assets | 79,267,000 | 83,721,000 | 86,464,000 | 94,688,000 |