Call reports 2016
PEOPLES BANK OF WYACONDA — 2016
What PEOPLES BANK OF WYACONDA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 90,465,000 | 88,890,000 | 88,985,000 | 94,574,000 |
| Total loans | 56,930,000 | 59,323,000 | 58,967,000 | 60,136,000 |
| Allowance for loan losses | 904,000 | 905,000 | 926,000 | 934,000 |
| Securities available for sale | 23,462,000 | 23,478,000 | 24,467,000 | 28,112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,360,000 | 79,586,000 | 79,500,000 | 83,212,000 |
| Interest-bearing deposits | 73,528,000 | 71,395,000 | 71,114,000 | 74,008,000 |
| Noninterest-bearing deposits | 7,832,000 | 8,191,000 | 8,386,000 | 9,204,000 |
| Equity capital | 8,326,000 | 8,602,000 | 8,783,000 | 8,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 836,000 | 1,678,000 | 2,522,000 | 3,413,000 |
| Interest expense | 134,000 | 267,000 | 394,000 | 524,000 |
| Net interest income | 702,000 | 1,411,000 | 2,128,000 | 2,889,000 |
| Noninterest income | 62,000 | 126,000 | 201,000 | 278,000 |
| Noninterest expense | 415,000 | 850,000 | 1,277,000 | 1,845,000 |
| Provision for loan losses | 19,000 | 40,000 | 61,000 | 82,000 |
| Pretax income | 349,000 | 666,000 | 1,010,000 | 1,259,000 |
| Income tax | 85,000 | 221,000 | 337,000 | 420,000 |
| Net income | 264,000 | 445,000 | 673,000 | 839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,252,000 | 8,377,000 | 8,666,000 | 8,835,000 |
| Total capital | 9,070,000 | 9,206,000 | 9,397,000 | 9,604,000 |
| Risk-weighted assets | 65,331,000 | 66,277,000 | 58,272,000 | 61,353,000 |