Call reports 2010
PEOPLES BANK OF WYACONDA — 2010
What PEOPLES BANK OF WYACONDA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 64,557,000 | 66,096,000 | 65,725,000 | 69,859,000 |
| Total loans | 34,785,000 | 36,182,000 | 37,341,000 | 38,460,000 |
| Allowance for loan losses | 696,000 | 704,000 | 701,000 | 697,000 |
| Securities available for sale | 27,278,000 | 25,064,000 | 24,900,000 | 25,510,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,801,000 | 59,021,000 | 58,450,000 | 62,690,000 |
| Interest-bearing deposits | 52,886,000 | 53,975,000 | 53,423,000 | 56,649,000 |
| Noninterest-bearing deposits | 4,915,000 | 5,046,000 | 5,027,000 | 6,041,000 |
| Equity capital | 6,163,000 | 6,406,000 | 6,592,000 | 6,564,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 721,000 | 1,525,000 | 2,277,000 | 2,997,000 |
| Interest expense | 275,000 | 523,000 | 770,000 | 1,006,000 |
| Net interest income | 446,000 | 1,002,000 | 1,507,000 | 1,991,000 |
| Noninterest income | 41,000 | 78,000 | 116,000 | 163,000 |
| Noninterest expense | 249,000 | 524,000 | 781,000 | 1,157,000 |
| Provision for loan losses | 7,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 231,000 | 541,000 | 819,000 | 967,000 |
| Income tax | 87,000 | 214,000 | 318,000 | 356,000 |
| Net income | 144,000 | 327,000 | 501,000 | 611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,964,000 | 6,147,000 | 6,321,000 | 6,431,000 |
| Total capital | 6,430,000 | 6,629,000 | 6,816,000 | 6,946,000 |
| Risk-weighted assets | 37,013,000 | 38,319,000 | 39,379,000 | 41,033,000 |