Call reports 2009
PUTNAM COUNTY BANK — 2009
What PUTNAM COUNTY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 503,383,000 | 510,914,000 | 526,368,000 | 515,915,000 |
| Total loans | 330,892,000 | 341,732,000 | 345,762,000 | 348,614,000 |
| Allowance for loan losses | 2,849,000 | 3,010,000 | 3,060,000 | 4,002,000 |
| Securities available for sale | 76,699,000 | 81,262,000 | 76,995,000 | 72,065,000 |
| Securities held to maturity | 38,967,000 | 38,975,000 | 38,981,000 | 38,987,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,945,000 | 438,771,000 | 454,125,000 | 444,808,000 |
| Interest-bearing deposits | 385,884,000 | 387,957,000 | 406,954,000 | 397,339,000 |
| Noninterest-bearing deposits | 45,061,000 | 50,815,000 | 47,171,000 | 47,470,000 |
| Equity capital | 70,024,000 | 69,897,000 | 70,514,000 | 69,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,993,000 | 12,047,000 | 18,186,000 | 24,123,000 |
| Interest expense | 2,618,000 | 5,015,000 | 7,133,000 | 9,076,000 |
| Net interest income | 3,375,000 | 7,032,000 | 11,053,000 | 15,047,000 |
| Noninterest income | 85,000 | 179,000 | 358,000 | 450,000 |
| Noninterest expense | 2,011,000 | 4,341,000 | 7,153,000 | 9,873,000 |
| Provision for loan losses | 663,000 | 802,000 | 2,064,000 | 3,164,000 |
| Pretax income | 786,000 | 2,066,000 | 2,192,000 | 2,456,000 |
| Income tax | 393,000 | 775,000 | 814,000 | 797,000 |
| Net income | 393,000 | 1,291,000 | 1,378,000 | 1,659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,379,000 | 68,576,000 | 68,663,000 | 68,284,000 |
| Total capital | 71,228,000 | 71,586,000 | 71,723,000 | 72,169,000 |
| Risk-weighted assets | 295,768,000 | 306,621,000 | 310,170,000 | 310,694,000 |