Call reports 2005
PEOPLES BANK OF WYACONDA — 2005
What PEOPLES BANK OF WYACONDA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 59,774,000 | 60,168,000 | 60,175,000 | 59,214,000 |
| Total loans | 33,361,000 | 33,706,000 | 33,741,000 | 32,941,000 |
| Allowance for loan losses | 530,000 | 538,000 | 570,000 | 573,000 |
| Securities available for sale | 22,233,000 | 22,433,000 | 22,159,000 | 22,289,000 |
| Securities held to maturity | 1,850,000 | 1,850,000 | 1,850,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,153,000 | 51,202,000 | 47,875,000 | 52,264,000 |
| Interest-bearing deposits | 47,411,000 | 46,737,000 | 43,523,000 | 46,794,000 |
| Noninterest-bearing deposits | 5,742,000 | 4,465,000 | 4,352,000 | 5,470,000 |
| Equity capital | 5,894,000 | 6,224,000 | 6,191,000 | 6,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 769,000 | 1,550,000 | 2,349,000 | 3,129,000 |
| Interest expense | 269,000 | 557,000 | 875,000 | 1,217,000 |
| Net interest income | 500,000 | 993,000 | 1,474,000 | 1,912,000 |
| Noninterest income | 42,000 | 83,000 | 143,000 | 201,000 |
| Noninterest expense | 225,000 | 473,000 | 774,000 | 1,115,000 |
| Provision for loan losses | 7,000 | 15,000 | 22,000 | 30,000 |
| Pretax income | 310,000 | 588,000 | 821,000 | 963,000 |
| Income tax | 66,000 | 147,000 | 231,000 | 345,000 |
| Net income | 244,000 | 441,000 | 590,000 | 618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,183,000 | 6,380,000 | 6,529,000 | 6,432,000 |
| Total capital | 6,620,000 | 6,814,000 | 6,971,000 | 6,873,000 |
| Risk-weighted assets | 34,902,000 | 34,614,000 | 35,223,000 | 35,175,000 |