Call reports 2011
PEOPLES BANK OF WYACONDA — 2011
What PEOPLES BANK OF WYACONDA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 70,923,000 | 67,979,000 | 68,579,000 | 68,129,000 |
| Total loans | 36,963,000 | 38,011,000 | 39,963,000 | 41,506,000 |
| Allowance for loan losses | 704,000 | 712,000 | 722,000 | 718,000 |
| Securities available for sale | 26,178,000 | 26,728,000 | 25,424,000 | 23,843,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,637,000 | 60,659,000 | 60,609,000 | 60,538,000 |
| Interest-bearing deposits | 57,043,000 | 54,960,000 | 54,319,000 | 54,248,000 |
| Noninterest-bearing deposits | 6,594,000 | 5,699,000 | 6,290,000 | 6,290,000 |
| Equity capital | 6,651,000 | 6,735,000 | 7,181,000 | 7,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 671,000 | 1,344,000 | 2,039,000 | 2,740,000 |
| Interest expense | 222,000 | 424,000 | 613,000 | 781,000 |
| Net interest income | 449,000 | 920,000 | 1,426,000 | 1,959,000 |
| Noninterest income | 40,000 | 78,000 | 121,000 | 170,000 |
| Noninterest expense | 244,000 | 503,000 | 759,000 | 1,124,000 |
| Provision for loan losses | 7,000 | 15,000 | 24,000 | 34,000 |
| Pretax income | 238,000 | 480,000 | 764,000 | 971,000 |
| Income tax | 92,000 | 200,000 | 303,000 | 391,000 |
| Net income | 146,000 | 280,000 | 461,000 | 580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,326,000 | 6,460,000 | 6,641,000 | 6,760,000 |
| Total capital | 6,821,000 | 6,967,000 | 7,167,000 | 7,303,000 |
| Risk-weighted assets | 39,377,000 | 40,358,000 | 41,867,000 | 43,259,000 |