Call reports 2015
PUTNAM COUNTY NATIONAL BANK OF CARMEL, THE — 2015
What PUTNAM COUNTY NATIONAL BANK OF CARMEL, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 165,495,000 | 162,047,000 | 160,864,000 | 157,470,000 |
| Total loans | 82,408,000 | 78,463,000 | 79,255,000 | 79,333,000 |
| Allowance for loan losses | 2,420,000 | 2,320,000 | 1,300,000 | 1,256,000 |
| Securities available for sale | 16,344,000 | 16,162,000 | 18,225,000 | 18,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,509,000 | 126,459,000 | 124,555,000 | 121,565,000 |
| Interest-bearing deposits | 97,023,000 | 97,373,000 | 95,600,000 | 92,285,000 |
| Noninterest-bearing deposits | 32,486,000 | 29,086,000 | 28,955,000 | 29,280,000 |
| Equity capital | 35,859,000 | 35,426,000 | 36,185,000 | 35,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,012,000 | 2,032,000 | 3,048,000 | 4,071,000 |
| Interest expense | 65,000 | 129,000 | 192,000 | 255,000 |
| Net interest income | 947,000 | 1,903,000 | 2,856,000 | 3,816,000 |
| Noninterest income | 142,000 | 209,000 | 317,000 | 591,000 |
| Noninterest expense | 1,639,000 | 2,936,000 | 4,282,000 | 6,190,000 |
| Provision for loan losses | 42,000 | 116,000 | -903,000 | -903,000 |
| Pretax income | -592,000 | -940,000 | -206,000 | -880,000 |
| Income tax | 4,000 | 35,000 | 52,000 | -302,000 |
| Net income | -596,000 | -975,000 | -258,000 | -578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,318,000 | 31,671,000 | 32,648,000 | 31,704,000 |
| Total capital | 33,281,000 | 32,599,000 | 33,574,000 | 32,606,000 |
| Risk-weighted assets | 73,693,000 | 70,829,000 | 71,808,000 | 69,571,000 |