Call reports 2025
PUTNAM COUNTY NATIONAL BANK OF CARMEL, THE — 2025
What PUTNAM COUNTY NATIONAL BANK OF CARMEL, THE 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 | 174,196,000 | 173,566,000 | 186,017,000 | 173,817,000 |
| Total loans | 120,668,000 | 120,241,000 | 119,894,000 | 117,480,000 |
| Allowance for loan losses | 1,513,000 | 1,514,000 | 1,711,000 | 1,945,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 14,750,000 | 14,315,000 | 13,866,000 | 13,473,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,418,000 | 128,291,000 | 140,276,000 | 127,682,000 |
| Interest-bearing deposits | 78,638,000 | 78,887,000 | 90,244,000 | 76,405,000 |
| Noninterest-bearing deposits | 50,780,000 | 49,404,000 | 50,032,000 | 51,277,000 |
| Equity capital | 43,321,000 | 43,872,000 | 44,401,000 | 45,196,000 |
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 | 1,788,000 | 3,658,000 | 5,519,000 | 7,866,000 |
| Interest expense | 124,000 | 266,000 | 412,000 | 561,000 |
| Net interest income | 1,664,000 | 3,392,000 | 5,107,000 | 7,305,000 |
| Noninterest income | 18,000 | 58,000 | 90,000 | 107,000 |
| Noninterest expense | 1,165,000 | 2,228,000 | 3,281,000 | 4,740,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 517,000 | 1,222,000 | 1,916,000 | 2,672,000 |
| Income tax | 138,000 | 292,000 | 457,000 | 635,000 |
| Net income | 379,000 | 930,000 | 1,459,000 | 2,037,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,110,000 | 43,561,000 | 44,090,000 | 44,749,000 |