Call reports 2002
PEOPLES BANK OF WYACONDA — 2002
What PEOPLES BANK OF WYACONDA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 56,113,000 | 56,467,000 | 56,886,000 | 56,808,000 |
| Total loans | 32,753,000 | 33,443,000 | 33,223,000 | 33,068,000 |
| Allowance for loan losses | 441,000 | 444,000 | 461,000 | 454,000 |
| Securities available for sale | 4,957,000 | 9,886,000 | 11,710,000 | 12,692,000 |
| Securities held to maturity | 12,333,000 | 9,299,000 | 7,649,000 | 6,701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,588,000 | 48,534,000 | 47,553,000 | 49,610,000 |
| Interest-bearing deposits | 46,238,000 | 43,204,000 | 43,807,000 | 44,898,000 |
| Noninterest-bearing deposits | 4,350,000 | 5,330,000 | 3,746,000 | 4,712,000 |
| Equity capital | 4,760,000 | 5,036,000 | 5,267,000 | 5,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 911,000 | 1,809,000 | 2,721,000 | 3,595,000 |
| Interest expense | 460,000 | 881,000 | 1,286,000 | 1,658,000 |
| Net interest income | 451,000 | 928,000 | 1,435,000 | 1,937,000 |
| Noninterest income | 45,000 | 79,000 | 127,000 | 180,000 |
| Noninterest expense | 228,000 | 484,000 | 764,000 | 1,117,000 |
| Provision for loan losses | 14,000 | 27,000 | 42,000 | 57,000 |
| Pretax income | 254,000 | 496,000 | 756,000 | 943,000 |
| Income tax | 89,000 | 163,000 | 241,000 | 353,000 |
| Net income | 165,000 | 333,000 | 515,000 | 590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,768,000 | 4,936,000 | 5,118,000 | 5,043,000 |
| Total capital | 5,196,000 | 5,366,000 | 5,553,000 | 5,474,000 |
| Risk-weighted assets | 34,237,000 | 34,379,000 | 34,776,000 | 34,445,000 |