Call reports 2010
PUTNAM COUNTY BANK — 2010
What PUTNAM COUNTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 529,910,000 | 539,988,000 | 554,566,000 | 561,274,000 |
| Total loans | 352,246,000 | 359,135,000 | 347,129,000 | 334,682,000 |
| Allowance for loan losses | 2,751,000 | 3,817,000 | 4,229,000 | 4,459,000 |
| Securities available for sale | 72,073,000 | 67,437,000 | 63,047,000 | 67,727,000 |
| Securities held to maturity | 38,987,000 | 38,985,000 | 38,984,000 | 38,985,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 456,964,000 | 466,451,000 | 480,860,000 | 487,732,000 |
| Interest-bearing deposits | 406,060,000 | 409,036,000 | 421,434,000 | 433,887,000 |
| Noninterest-bearing deposits | 50,905,000 | 57,415,000 | 59,426,000 | 53,845,000 |
| Equity capital | 71,086,000 | 72,202,000 | 72,206,000 | 72,186,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,953,000 | 12,008,000 | 18,039,000 | 23,843,000 |
| Interest expense | 1,704,000 | 3,341,000 | 4,955,000 | 6,572,000 |
| Net interest income | 4,249,000 | 8,667,000 | 13,084,000 | 17,271,000 |
| Noninterest income | 169,000 | 283,000 | 432,000 | 533,000 |
| Noninterest expense | 2,050,000 | 4,062,000 | 6,406,000 | 8,819,000 |
| Provision for loan losses | 371,000 | 975,000 | 3,548,000 | 3,832,000 |
| Pretax income | 1,997,000 | 3,913,000 | 3,562,000 | 5,152,000 |
| Income tax | 689,000 | 1,454,000 | 1,549,000 | 1,779,000 |
| Net income | 1,308,000 | 2,459,000 | 2,013,000 | 3,373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,592,000 | 70,084,000 | 69,638,000 | 70,338,000 |
| Total capital | 72,343,000 | 73,901,000 | 73,544,000 | 74,166,000 |
| Risk-weighted assets | 311,920,000 | 318,460,000 | 312,165,000 | 305,594,000 |