Call reports 2001
PEOPLES BANK OF WYACONDA — 2001
What PEOPLES BANK OF WYACONDA reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 53,068,000 | 54,057,000 | 54,810,000 | 56,741,000 |
| Total loans | 31,940,000 | 33,114,000 | 34,132,000 | 33,147,000 |
| Allowance for loan losses | 393,000 | 406,000 | 421,000 | 426,000 |
| Securities available for sale | 3,510,000 | 861,000 | 2,214,000 | 3,895,000 |
| Securities held to maturity | 14,240,000 | 16,766,000 | 15,069,000 | 13,960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,893,000 | 45,782,000 | 46,433,000 | 51,268,000 |
| Interest-bearing deposits | 44,172,000 | 42,786,000 | 43,163,000 | 45,808,000 |
| Noninterest-bearing deposits | 3,721,000 | 2,996,000 | 3,270,000 | 5,460,000 |
| Equity capital | 4,350,000 | 4,490,000 | 4,656,000 | 4,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 964,000 | 1,939,000 | 2,924,000 | 3,884,000 |
| Interest expense | 575,000 | 1,157,000 | 1,718,000 | 2,222,000 |
| Net interest income | 389,000 | 782,000 | 1,206,000 | 1,662,000 |
| Noninterest income | 40,000 | 86,000 | 130,000 | 188,000 |
| Noninterest expense | 220,000 | 439,000 | 698,000 | 1,004,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 194,000 | 399,000 | 593,000 | 786,000 |
| Income tax | 59,000 | 124,000 | 191,000 | 266,000 |
| Net income | 135,000 | 275,000 | 402,000 | 520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,339,000 | 4,483,000 | 4,610,000 | 4,728,000 |
| Total capital | 4,732,000 | 4,889,000 | 5,031,000 | 5,154,000 |
| Risk-weighted assets | 34,037,000 | 35,152,000 | 35,925,000 | 35,462,000 |