Call reports 2004
PUTNAM COUNTY NATIONAL BANK OF CARMEL, THE — 2004
What PUTNAM COUNTY NATIONAL BANK OF CARMEL, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 173,734,000 | 175,409,000 | 180,952,000 | 167,029,000 |
| Total loans | 101,752,000 | 106,746,000 | 109,389,000 | 114,972,000 |
| Allowance for loan losses | 3,517,000 | 3,517,000 | 3,517,000 | 3,602,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 29,226,000 | 42,905,000 | 42,816,000 | 37,238,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,850,000 | 137,888,000 | 143,722,000 | 129,855,000 |
| Interest-bearing deposits | 103,483,000 | 101,506,000 | 109,374,000 | 96,507,000 |
| Noninterest-bearing deposits | 33,367,000 | 36,383,000 | 34,348,000 | 33,349,000 |
| Equity capital | 36,623,000 | 36,731,000 | 37,010,000 | 36,744,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,151,000 | 4,174,000 | 6,195,000 | 8,582,000 |
| Interest expense | 235,000 | 465,000 | 691,000 | 919,000 |
| Net interest income | 1,916,000 | 3,709,000 | 5,504,000 | 7,663,000 |
| Noninterest income | 223,000 | 479,000 | 683,000 | 1,148,000 |
| Noninterest expense | 1,288,000 | 2,651,000 | 3,896,000 | 6,438,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 851,000 | 1,537,000 | 2,291,000 | 2,323,000 |
| Income tax | 212,000 | 470,000 | 945,000 | 923,000 |
| Net income | 639,000 | 1,067,000 | 1,346,000 | 1,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,623,000 | 36,731,000 | 37,010,000 | 36,744,000 |
| Total capital | 37,865,000 | 37,991,000 | 38,315,000 | 38,067,000 |
| Risk-weighted assets | 97,112,000 | 98,582,000 | 102,469,000 | 103,546,000 |
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