Call reports 2012
PEOPLES BANK OF WYACONDA — 2012
What PEOPLES BANK OF WYACONDA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 70,909,000 | 69,539,000 | 70,177,000 | 74,916,000 |
| Total loans | 39,718,000 | 40,777,000 | 41,514,000 | 43,195,000 |
| Allowance for loan losses | 729,000 | 742,000 | 749,000 | 759,000 |
| Securities available for sale | 25,542,000 | 25,882,000 | 24,986,000 | 24,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,149,000 | 61,256,000 | 61,592,000 | 66,624,000 |
| Interest-bearing deposits | 55,847,000 | 54,809,000 | 54,766,000 | 58,167,000 |
| Noninterest-bearing deposits | 7,302,000 | 6,447,000 | 6,826,000 | 8,457,000 |
| Equity capital | 6,821,000 | 7,062,000 | 7,315,000 | 7,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 675,000 | 1,349,000 | 2,042,000 | 2,731,000 |
| Interest expense | 163,000 | 311,000 | 453,000 | 587,000 |
| Net interest income | 512,000 | 1,038,000 | 1,589,000 | 2,144,000 |
| Noninterest income | 34,000 | 69,000 | 134,000 | 180,000 |
| Noninterest expense | 238,000 | 481,000 | 719,000 | 1,106,000 |
| Provision for loan losses | 10,000 | 19,000 | 29,000 | 39,000 |
| Pretax income | 298,000 | 607,000 | 1,005,000 | 1,209,000 |
| Income tax | 108,000 | 225,000 | 381,000 | 487,000 |
| Net income | 190,000 | 382,000 | 624,000 | 722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,674,000 | 6,866,000 | 7,108,000 | 7,206,000 |
| Total capital | 7,209,000 | 7,417,000 | 7,661,000 | 7,779,000 |
| Risk-weighted assets | 42,575,000 | 43,854,000 | 44,041,000 | 45,669,000 |