Call reports 2014
PUTNAM COUNTY NATIONAL BANK OF CARMEL, THE — 2014
What PUTNAM COUNTY NATIONAL BANK OF CARMEL, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 159,445,000 | 160,450,000 | 159,444,000 | 160,023,000 |
| Total loans | 82,471,000 | 81,749,000 | 80,592,000 | 79,779,000 |
| Allowance for loan losses | 2,081,000 | 2,052,000 | 2,083,000 | 2,870,000 |
| Securities available for sale | 22,310,000 | 17,227,000 | 17,164,000 | 16,337,000 |
| Securities held to maturity | 2,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,569,000 | 123,873,000 | 123,756,000 | 123,438,000 |
| Interest-bearing deposits | 94,060,000 | 95,592,000 | 96,343,000 | 95,455,000 |
| Noninterest-bearing deposits | 28,508,000 | 28,281,000 | 27,413,000 | 27,983,000 |
| Equity capital | 36,762,000 | 36,409,000 | 35,493,000 | 36,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,124,000 | 2,217,000 | 3,280,000 | 4,246,000 |
| Interest expense | 89,000 | 181,000 | 270,000 | 341,000 |
| Net interest income | 1,035,000 | 2,036,000 | 3,010,000 | 3,905,000 |
| Noninterest income | 31,000 | 85,000 | 90,000 | 485,000 |
| Noninterest expense | 2,211,000 | 3,262,000 | 5,171,000 | 6,054,000 |
| Provision for loan losses | 615,000 | 935,000 | 867,000 | 1,689,000 |
| Pretax income | -1,760,000 | -2,076,000 | -2,938,000 | -3,353,000 |
| Income tax | 0 | 4,000 | 8,000 | -1,357,000 |
| Net income | -1,760,000 | -2,080,000 | -2,946,000 | -1,996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,523,000 | 34,182,000 | 33,282,000 | 32,903,000 |
| Total capital | 35,528,000 | 35,178,000 | 34,257,000 | 33,839,000 |
| Risk-weighted assets | 79,324,000 | 78,589,000 | 76,906,000 | 72,952,000 |
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