Call reports 2009
PEOPLES BANK OF WYACONDA — 2009
What PEOPLES BANK OF WYACONDA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 64,215,000 | 64,415,000 | 63,231,000 | 64,692,000 |
| Total loans | 33,978,000 | 34,553,000 | 35,110,000 | 36,919,000 |
| Allowance for loan losses | 668,000 | 674,000 | 681,000 | 689,000 |
| Securities available for sale | 22,905,000 | 22,856,000 | 23,974,000 | 23,779,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,396,000 | 56,484,000 | 55,467,000 | 57,683,000 |
| Interest-bearing deposits | 51,219,000 | 51,738,000 | 50,661,000 | 52,025,000 |
| Noninterest-bearing deposits | 5,177,000 | 4,746,000 | 4,806,000 | 5,658,000 |
| Equity capital | 6,077,000 | 6,168,000 | 6,265,000 | 6,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 773,000 | 1,506,000 | 2,257,000 | 3,021,000 |
| Interest expense | 341,000 | 671,000 | 985,000 | 1,278,000 |
| Net interest income | 432,000 | 835,000 | 1,272,000 | 1,743,000 |
| Noninterest income | 46,000 | 87,000 | 134,000 | 179,000 |
| Noninterest expense | 238,000 | 521,000 | 813,000 | 1,149,000 |
| Provision for loan losses | 8,000 | 15,000 | 22,000 | 30,000 |
| Pretax income | 233,000 | 387,000 | 572,000 | 744,000 |
| Income tax | 71,000 | 140,000 | 199,000 | 284,000 |
| Net income | 162,000 | 247,000 | 373,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,772,000 | 5,857,000 | 5,983,000 | 6,070,000 |
| Total capital | 6,226,000 | 6,320,000 | 6,447,000 | 6,555,000 |
| Risk-weighted assets | 36,113,000 | 36,807,000 | 36,897,000 | 38,622,000 |