Call reports 2003
PEOPLES BANK OF WYACONDA — 2003
What PEOPLES BANK OF WYACONDA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 56,907,000 | 55,887,000 | 56,887,000 | 59,437,000 |
| Total loans | 32,124,000 | 32,325,000 | 32,218,000 | 30,554,000 |
| Allowance for loan losses | 470,000 | 486,000 | 493,000 | 508,000 |
| Securities available for sale | 13,479,000 | 15,589,000 | 16,711,000 | 17,860,000 |
| Securities held to maturity | 5,900,000 | 3,874,000 | 3,774,000 | 3,374,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,772,000 | 49,450,000 | 49,289,000 | 53,010,000 |
| Interest-bearing deposits | 46,521,000 | 45,702,000 | 43,868,000 | 48,536,000 |
| Noninterest-bearing deposits | 4,251,000 | 3,748,000 | 5,421,000 | 4,474,000 |
| Equity capital | 5,379,000 | 5,607,000 | 5,670,000 | 5,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 830,000 | 1,624,000 | 2,398,000 | 3,142,000 |
| Interest expense | 347,000 | 666,000 | 950,000 | 1,212,000 |
| Net interest income | 483,000 | 958,000 | 1,448,000 | 1,930,000 |
| Noninterest income | 42,000 | 78,000 | 124,000 | 175,000 |
| Noninterest expense | 236,000 | 474,000 | 748,000 | 1,081,000 |
| Provision for loan losses | 15,000 | 32,000 | 47,000 | 62,000 |
| Pretax income | 274,000 | 530,000 | 777,000 | 962,000 |
| Income tax | 66,000 | 148,000 | 235,000 | 326,000 |
| Net income | 208,000 | 382,000 | 542,000 | 636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,251,000 | 5,425,000 | 5,585,000 | 5,517,000 |
| Total capital | 5,670,000 | 5,840,000 | 6,001,000 | 5,926,000 |
| Risk-weighted assets | 33,458,000 | 33,129,000 | 33,237,000 | 32,649,000 |