Call reports 2014
PEOPLES BANK OF WYACONDA — 2014
What PEOPLES BANK OF WYACONDA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 87,333,000 | 84,844,000 | 84,894,000 | 89,894,000 |
| Total loans | 49,542,000 | 52,217,000 | 54,643,000 | 56,751,000 |
| Allowance for loan losses | 810,000 | 821,000 | 829,000 | 830,000 |
| Securities available for sale | 25,976,000 | 28,065,000 | 25,599,000 | 22,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,557,000 | 76,068,000 | 74,890,000 | 80,306,000 |
| Interest-bearing deposits | 69,865,000 | 67,801,000 | 66,403,000 | 70,413,000 |
| Noninterest-bearing deposits | 9,692,000 | 8,267,000 | 8,487,000 | 9,894,000 |
| Equity capital | 7,140,000 | 7,344,000 | 7,486,000 | 7,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 723,000 | 1,473,000 | 2,254,000 | 3,058,000 |
| Interest expense | 139,000 | 273,000 | 406,000 | 538,000 |
| Net interest income | 584,000 | 1,200,000 | 1,848,000 | 2,520,000 |
| Noninterest income | 60,000 | 123,000 | 188,000 | 251,000 |
| Noninterest expense | 369,000 | 823,000 | 1,235,000 | 1,725,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 263,000 | 480,000 | 788,000 | 1,013,000 |
| Income tax | 91,000 | 182,000 | 293,000 | 384,000 |
| Net income | 172,000 | 298,000 | 495,000 | 629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,296,000 | 7,424,000 | 7,623,000 | 7,759,000 |
| Total capital | 7,949,000 | 8,100,000 | 8,321,000 | 8,478,000 |
| Risk-weighted assets | 52,075,000 | 53,973,000 | 55,716,000 | 57,396,000 |