Call reports 2004
PEOPLES BANK OF WYACONDA — 2004
What PEOPLES BANK OF WYACONDA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 59,800,000 | 59,665,000 | 59,548,000 | 60,472,000 |
| Total loans | 29,180,000 | 31,158,000 | 32,447,000 | 33,598,000 |
| Allowance for loan losses | 518,000 | 527,000 | 534,000 | 523,000 |
| Securities available for sale | 18,607,000 | 21,619,000 | 21,734,000 | 21,682,000 |
| Securities held to maturity | 2,474,000 | 2,397,000 | 2,395,000 | 2,475,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,317,000 | 51,046,000 | 50,787,000 | 53,632,000 |
| Interest-bearing deposits | 48,901,000 | 47,066,000 | 46,243,000 | 48,636,000 |
| Noninterest-bearing deposits | 4,416,000 | 3,980,000 | 4,544,000 | 4,996,000 |
| Equity capital | 5,779,000 | 5,685,000 | 6,067,000 | 5,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 709,000 | 1,433,000 | 2,191,000 | 2,961,000 |
| Interest expense | 252,000 | 497,000 | 755,000 | 1,017,000 |
| Net interest income | 456,000 | 936,000 | 1,436,000 | 1,944,000 |
| Noninterest income | 44,000 | 93,000 | 153,000 | 213,000 |
| Noninterest expense | 237,000 | 477,000 | 742,000 | 1,124,000 |
| Provision for loan losses | 7,000 | 15,000 | 22,000 | 36,000 |
| Pretax income | 257,000 | 537,000 | 825,000 | 997,000 |
| Income tax | 82,000 | 156,000 | 238,000 | 375,000 |
| Net income | 175,000 | 381,000 | 587,000 | 622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,692,000 | 5,898,000 | 6,104,000 | 5,939,000 |
| Total capital | 6,089,000 | 6,312,000 | 6,532,000 | 6,377,000 |
| Risk-weighted assets | 31,600,000 | 32,977,000 | 34,118,000 | 34,980,000 |