Call reports 2020
SENECA SAVINGS BANK, NATIONAL ASSOCIATION — 2020
What SENECA SAVINGS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 211,825,000 | 237,825,000 | 231,184,000 | 222,608,000 |
| Total loans | 164,541,000 | 175,576,000 | 170,175,000 | 162,630,000 |
| Allowance for loan losses | 1,299,000 | 1,433,000 | 1,555,000 | 1,640,000 |
| Securities available for sale | 28,462,000 | 37,635,000 | 43,363,000 | 41,264,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,924,000 | 164,495,000 | 163,481,000 | 160,322,000 |
| Interest-bearing deposits | 133,497,000 | 132,417,000 | 133,569,000 | 130,922,000 |
| Noninterest-bearing deposits | 21,427,000 | 32,078,000 | 29,912,000 | 29,400,000 |
| Equity capital | 18,780,000 | 19,901,000 | 20,372,000 | 21,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,148,000 | 4,345,000 | 6,509,000 | 8,750,000 |
| Interest expense | 579,000 | 1,085,000 | 1,504,000 | 1,860,000 |
| Net interest income | 1,569,000 | 3,260,000 | 5,005,000 | 6,890,000 |
| Noninterest income | 167,000 | 361,000 | 619,000 | 852,000 |
| Noninterest expense | 1,436,000 | 2,950,000 | 4,310,000 | 5,861,000 |
| Provision for loan losses | 80,000 | 260,000 | 520,000 | 730,000 |
| Pretax income | 222,000 | 446,000 | 825,000 | 1,200,000 |
| Income tax | 35,000 | 71,000 | 111,000 | 161,000 |
| Net income | 187,000 | 375,000 | 714,000 | 1,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,380,000 | 21,573,000 | 21,918,000 | 22,248,000 |
| Total capital | 22,679,000 | — | — | — |
| Risk-weighted assets | 135,401,000 | — | — | — |