Call reports 2015
PEOPLES BANK OF WYACONDA — 2015
What PEOPLES BANK OF WYACONDA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 91,727,000 | 88,904,000 | 86,366,000 | 90,772,000 |
| Total loans | 55,515,000 | 54,322,000 | 55,240,000 | 58,633,000 |
| Allowance for loan losses | 841,000 | 863,000 | 873,000 | 889,000 |
| Securities available for sale | 26,258,000 | 26,031,000 | 26,409,000 | 24,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,516,000 | 79,685,000 | 76,654,000 | 80,131,000 |
| Interest-bearing deposits | 72,822,000 | 70,821,000 | 68,635,000 | 71,487,000 |
| Noninterest-bearing deposits | 9,694,000 | 8,864,000 | 8,019,000 | 8,644,000 |
| Equity capital | 7,720,000 | 7,803,000 | 8,121,000 | 8,172,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 792,000 | 1,590,000 | 2,399,000 | 3,243,000 |
| Interest expense | 139,000 | 273,000 | 400,000 | 523,000 |
| Net interest income | 653,000 | 1,317,000 | 1,999,000 | 2,720,000 |
| Noninterest income | 55,000 | 111,000 | 174,000 | 239,000 |
| Noninterest expense | 419,000 | 828,000 | 1,247,000 | 1,779,000 |
| Provision for loan losses | 12,000 | 24,000 | 38,000 | 53,000 |
| Pretax income | 277,000 | 574,000 | 886,000 | 1,125,000 |
| Income tax | 107,000 | 226,000 | 345,000 | 433,000 |
| Net income | 170,000 | 348,000 | 541,000 | 692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,743,000 | 7,900,000 | 8,095,000 | 8,246,000 |
| Total capital | 8,554,000 | 8,695,000 | 8,902,000 | 9,089,000 |
| Risk-weighted assets | 64,826,000 | 63,522,000 | 64,457,000 | 67,385,000 |