Call reports 2007
PEOPLES BANK OF WYACONDA — 2007
What PEOPLES BANK OF WYACONDA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 61,419,000 | 61,411,000 | 60,249,000 | 61,327,000 |
| Total loans | 33,984,000 | 35,881,000 | 36,112,000 | 34,856,000 |
| Allowance for loan losses | 589,000 | 616,000 | 627,000 | 629,000 |
| Securities available for sale | 23,750,000 | 23,311,000 | 22,031,000 | 21,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,887,000 | 51,179,000 | 50,113,000 | 52,310,000 |
| Interest-bearing deposits | 47,210,000 | 45,939,000 | 45,653,000 | 47,344,000 |
| Noninterest-bearing deposits | 5,677,000 | 5,240,000 | 4,460,000 | 4,966,000 |
| Equity capital | 6,626,000 | 6,688,000 | 7,019,000 | 7,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 864,000 | 1,759,000 | 2,679,000 | 3,595,000 |
| Interest expense | 474,000 | 971,000 | 1,493,000 | 1,985,000 |
| Net interest income | 390,000 | 788,000 | 1,186,000 | 1,610,000 |
| Noninterest income | 47,000 | 90,000 | 139,000 | 189,000 |
| Noninterest expense | 223,000 | 470,000 | 713,000 | 1,099,000 |
| Provision for loan losses | 7,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 207,000 | 393,000 | 589,000 | 670,000 |
| Income tax | 48,000 | 130,000 | 181,000 | 234,000 |
| Net income | 159,000 | 263,000 | 408,000 | 436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,857,000 | 6,961,000 | 7,106,000 | 7,134,000 |
| Total capital | 7,307,000 | 7,431,000 | 7,579,000 | 7,595,000 |
| Risk-weighted assets | 35,832,000 | 37,472,000 | 37,667,000 | 36,704,000 |