Call reports 2012
PUTNAM COUNTY NATIONAL BANK OF CARMEL, THE — 2012
What PUTNAM COUNTY NATIONAL BANK OF CARMEL, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 162,190,000 | 162,180,000 | 162,240,000 | 163,133,000 |
| Total loans | 88,998,000 | 87,221,000 | 85,621,000 | 85,693,000 |
| Allowance for loan losses | 1,205,000 | 1,535,000 | 1,340,000 | 1,298,000 |
| Securities available for sale | 26,263,000 | 26,306,000 | 26,230,000 | 26,092,000 |
| Securities held to maturity | 4,000 | 4,000 | 4,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,693,000 | 121,323,000 | 122,170,000 | 122,718,000 |
| Interest-bearing deposits | 97,766,000 | 95,968,000 | 95,382,000 | 98,405,000 |
| Noninterest-bearing deposits | 22,927,000 | 25,356,000 | 26,788,000 | 24,313,000 |
| Equity capital | 41,181,000 | 40,556,000 | 39,881,000 | 40,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,448,000 | 2,812,000 | 4,135,000 | 5,459,000 |
| Interest expense | 147,000 | 286,000 | 400,000 | 510,000 |
| Net interest income | 1,301,000 | 2,526,000 | 3,735,000 | 4,949,000 |
| Noninterest income | 63,000 | 137,000 | 164,000 | 211,000 |
| Noninterest expense | 1,227,000 | 2,785,000 | 4,416,000 | 5,977,000 |
| Provision for loan losses | 77,000 | 511,000 | 762,000 | 762,000 |
| Pretax income | 60,000 | -633,000 | -1,279,000 | -1,579,000 |
| Income tax | 24,000 | 0 | 0 | -770,000 |
| Net income | 36,000 | -633,000 | -1,279,000 | -809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,287,000 | 39,618,000 | 38,971,000 | 39,442,000 |
| Total capital | 41,386,000 | 40,701,000 | 40,033,000 | 40,514,000 |
| Risk-weighted assets | 87,770,000 | 86,131,000 | 84,695,000 | 85,500,000 |