Call reports 2008
PEOPLES BANK OF WYACONDA — 2008
What PEOPLES BANK OF WYACONDA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 64,588,000 | 63,193,000 | 59,122,000 | 60,663,000 |
| Total loans | 33,050,000 | 33,679,000 | 34,692,000 | 35,703,000 |
| Allowance for loan losses | 636,000 | 644,000 | 653,000 | 660,000 |
| Securities available for sale | 21,389,000 | 22,910,000 | 21,764,000 | 20,089,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,412,000 | 54,032,000 | 50,967,000 | 52,415,000 |
| Interest-bearing deposits | 49,081,000 | 48,916,000 | 44,926,000 | 47,757,000 |
| Noninterest-bearing deposits | 6,331,000 | 5,116,000 | 6,041,000 | 4,658,000 |
| Equity capital | 7,423,000 | 7,395,000 | 6,022,000 | 6,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 900,000 | 1,770,000 | 2,625,000 | 3,459,000 |
| Interest expense | 483,000 | 923,000 | 1,309,000 | 1,661,000 |
| Net interest income | 417,000 | 847,000 | 1,316,000 | 1,798,000 |
| Noninterest income | 47,000 | 95,000 | 147,000 | 195,000 |
| Noninterest expense | 242,000 | 492,000 | 775,000 | 1,093,000 |
| Provision for loan losses | 7,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 229,000 | 460,000 | 690,000 | 895,000 |
| Income tax | 63,000 | 150,000 | 237,000 | 319,000 |
| Net income | 166,000 | 310,000 | 453,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,300,000 | 7,444,000 | 5,937,000 | 6,060,000 |
| Total capital | 7,755,000 | 7,902,000 | 6,389,000 | 6,518,000 |
| Risk-weighted assets | 36,236,000 | 36,417,000 | 35,939,000 | 36,453,000 |