Call reports 2013
PEOPLES BANK OF WYACONDA — 2013
What PEOPLES BANK OF WYACONDA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 75,288,000 | 73,868,000 | 76,532,000 | 85,210,000 |
| Total loans | 39,756,000 | 41,798,000 | 45,054,000 | 50,670,000 |
| Allowance for loan losses | 769,000 | 781,000 | 793,000 | 798,000 |
| Securities available for sale | 28,696,000 | 28,514,000 | 25,724,000 | 26,010,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,212,000 | 64,200,000 | 64,584,000 | 77,286,000 |
| Interest-bearing deposits | 58,493,000 | 56,418,000 | 56,602,000 | 68,264,000 |
| Noninterest-bearing deposits | 8,719,000 | 7,782,000 | 7,982,000 | 9,022,000 |
| Equity capital | 7,096,000 | 6,781,000 | 7,002,000 | 7,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 638,000 | 1,289,000 | 1,958,000 | 2,685,000 |
| Interest expense | 135,000 | 261,000 | 383,000 | 516,000 |
| Net interest income | 503,000 | 1,028,000 | 1,575,000 | 2,169,000 |
| Noninterest income | 42,000 | 78,000 | 120,000 | 161,000 |
| Noninterest expense | 265,000 | 536,000 | 836,000 | 1,363,000 |
| Provision for loan losses | 10,000 | 19,000 | 29,000 | 41,000 |
| Pretax income | 270,000 | 551,000 | 832,000 | 928,000 |
| Income tax | 114,000 | 218,000 | 323,000 | 305,000 |
| Net income | 156,000 | 333,000 | 509,000 | 623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,966,000 | 7,143,000 | 7,319,000 | 7,322,000 |
| Total capital | 7,515,000 | 7,709,000 | 7,936,000 | 7,988,000 |
| Risk-weighted assets | 43,676,000 | 45,036,000 | 49,154,000 | 53,175,000 |