Call reports 2004
PUTNAM COUNTY BANK — 2004
What PUTNAM COUNTY BANK 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 | 478,710,000 | 468,998,000 | 474,994,000 | 466,531,000 |
| Total loans | 219,712,000 | 222,668,000 | 231,636,000 | 234,020,000 |
| Allowance for loan losses | 4,015,000 | 4,067,000 | 4,244,000 | 4,206,000 |
| Securities available for sale | 110,907,000 | 102,444,000 | 103,700,000 | 97,908,000 |
| Securities held to maturity | 38,924,000 | 38,903,000 | 38,858,000 | 38,820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 423,849,000 | 417,370,000 | 421,570,000 | 412,642,000 |
| Interest-bearing deposits | 381,017,000 | 374,969,000 | 376,537,000 | 369,014,000 |
| Noninterest-bearing deposits | 42,833,000 | 42,401,000 | 45,032,000 | 43,628,000 |
| Equity capital | 52,273,000 | 50,715,000 | 52,536,000 | 52,889,000 |
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 | 5,207,000 | 10,324,000 | 15,605,000 | 21,165,000 |
| Interest expense | 1,704,000 | 3,341,000 | 4,968,000 | 6,610,000 |
| Net interest income | 3,503,000 | 6,983,000 | 10,637,000 | 14,555,000 |
| Noninterest income | 62,000 | 124,000 | 186,000 | 252,000 |
| Noninterest expense | 1,567,000 | 3,148,000 | 4,853,000 | 6,695,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,998,000 | 3,938,000 | 5,949,000 | 8,154,000 |
| Income tax | 707,000 | 1,398,000 | 2,074,000 | 2,950,000 |
| Net income | 1,291,000 | 2,540,000 | 3,875,000 | 5,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,880,000 | 49,683,000 | 51,018,000 | 51,938,000 |
| Total capital | 51,432,000 | 52,240,000 | 53,682,000 | 54,608,000 |
| Risk-weighted assets | 202,661,000 | 203,037,000 | 211,504,000 | 212,078,000 |
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