Call reports 2012
PUTNAM COUNTY BANK — 2012
What PUTNAM COUNTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 597,757,000 | 601,480,000 | 607,533,000 | 603,197,000 |
| Total loans | 319,677,000 | 322,127,000 | 319,777,000 | 322,395,000 |
| Allowance for loan losses | 3,997,000 | 3,787,000 | 3,876,000 | 3,879,000 |
| Securities available for sale | 100,287,000 | 106,149,000 | 108,073,000 | 122,425,000 |
| Securities held to maturity | 38,992,000 | 38,989,000 | 38,989,000 | 38,990,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 520,882,000 | 523,837,000 | 529,854,000 | 525,475,000 |
| Interest-bearing deposits | 467,221,000 | 466,284,000 | 477,176,000 | 471,986,000 |
| Noninterest-bearing deposits | 53,661,000 | 57,553,000 | 52,678,000 | 53,489,000 |
| Equity capital | 75,410,000 | 75,867,000 | 76,124,000 | 76,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,298,000 | 10,561,000 | 15,771,000 | 21,102,000 |
| Interest expense | 1,643,000 | 3,350,000 | 4,998,000 | 6,485,000 |
| Net interest income | 3,655,000 | 7,211,000 | 10,773,000 | 14,617,000 |
| Noninterest income | 116,000 | 238,000 | 358,000 | 741,000 |
| Noninterest expense | 3,480,000 | 5,586,000 | 7,841,000 | 10,779,000 |
| Provision for loan losses | 0 | 0 | 840,000 | 840,000 |
| Pretax income | 291,000 | 1,863,000 | 2,450,000 | 3,737,000 |
| Income tax | 30,000 | 446,000 | 768,000 | 1,238,000 |
| Net income | 261,000 | 1,417,000 | 1,682,000 | 2,499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,977,000 | 73,414,000 | 73,678,000 | 73,775,000 |
| Total capital | 76,701,000 | 77,141,000 | 77,410,000 | 77,475,000 |
| Risk-weighted assets | 297,644,000 | 298,090,000 | 298,387,000 | 295,788,000 |