Call reports 2025
PEOPLES BANK OF WYACONDA — 2025
What PEOPLES BANK OF WYACONDA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 141,275,000 | 141,177,000 | 139,403,000 | 143,002,000 |
| Total loans | 93,741,000 | 93,686,000 | 95,942,000 | 97,715,000 |
| Allowance for loan losses | 1,860,000 | 1,901,000 | 1,823,000 | 1,822,000 |
| Securities available for sale | 33,733,000 | 34,272,000 | 32,422,000 | 32,897,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,341,000 | 125,967,000 | 123,322,000 | 124,619,000 |
| Interest-bearing deposits | 111,856,000 | 110,243,000 | 108,049,000 | 108,406,000 |
| Noninterest-bearing deposits | 14,485,000 | 15,724,000 | 15,273,000 | 16,213,000 |
| Equity capital | 13,818,000 | 14,333,000 | 14,522,000 | 14,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,975,000 | 3,998,000 | 6,047,000 | 8,079,000 |
| Interest expense | 799,000 | 1,567,000 | 2,300,000 | 3,000,000 |
| Net interest income | 1,176,000 | 2,431,000 | 3,747,000 | 5,079,000 |
| Noninterest income | 72,000 | 143,000 | 221,000 | 330,000 |
| Noninterest expense | 674,000 | 1,438,000 | 2,198,000 | 3,033,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 529,000 | 1,046,000 | 1,637,000 | 2,194,000 |
| Income tax | 121,000 | 252,000 | 397,000 | 492,000 |
| Net income | 408,000 | 794,000 | 1,240,000 | 1,702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,405,000 | 14,790,000 | 14,737,000 | 14,699,000 |