Call reports 2006
PEOPLES BANK OF WYACONDA — 2006
What PEOPLES BANK OF WYACONDA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 59,405,000 | 57,092,000 | 58,516,000 | 60,540,000 |
| Total loans | 32,109,000 | 32,330,000 | 33,950,000 | 34,240,000 |
| Allowance for loan losses | 580,000 | 587,000 | 591,000 | 577,000 |
| Securities available for sale | 22,642,000 | 21,597,000 | 22,314,000 | 22,885,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,470,000 | 50,085,000 | 49,097,000 | 52,204,000 |
| Interest-bearing deposits | 47,333,000 | 44,818,000 | 43,988,000 | 46,407,000 |
| Noninterest-bearing deposits | 5,137,000 | 5,267,000 | 5,109,000 | 5,797,000 |
| Equity capital | 6,122,000 | 6,201,000 | 6,464,000 | 6,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 785,000 | 1,577,000 | 2,402,000 | 3,245,000 |
| Interest expense | 360,000 | 757,000 | 1,189,000 | 1,666,000 |
| Net interest income | 425,000 | 820,000 | 1,213,000 | 1,579,000 |
| Noninterest income | 52,000 | 96,000 | 226,000 | 273,000 |
| Noninterest expense | 224,000 | 466,000 | 719,000 | 1,173,000 |
| Provision for loan losses | 7,000 | 15,000 | 22,000 | 93,000 |
| Pretax income | 246,000 | 435,000 | 698,000 | 578,000 |
| Income tax | 88,000 | 167,000 | 239,000 | 227,000 |
| Net income | 158,000 | 268,000 | 459,000 | 351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,590,000 | 6,700,000 | 6,806,000 | 6,698,000 |
| Total capital | 7,019,000 | 7,123,000 | 7,245,000 | 7,149,000 |
| Risk-weighted assets | 34,199,000 | 33,677,000 | 34,982,000 | 35,940,000 |