Call reports 2013
PUTNAM COUNTY BANK — 2013
What PUTNAM COUNTY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 616,340,000 | 617,020,000 | 627,791,000 | 623,422,000 |
| Total loans | 328,533,000 | 329,321,000 | 342,851,000 | 346,297,000 |
| Allowance for loan losses | 3,882,000 | 3,788,000 | 3,878,000 | 3,817,000 |
| Securities available for sale | 131,050,000 | 138,472,000 | 133,873,000 | 132,880,000 |
| Securities held to maturity | 38,991,000 | 38,993,000 | 38,995,000 | 38,994,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 537,370,000 | 539,117,000 | 548,528,000 | 544,676,000 |
| Interest-bearing deposits | 479,019,000 | 480,901,000 | 489,792,000 | 488,214,000 |
| Noninterest-bearing deposits | 58,351,000 | 58,216,000 | 58,736,000 | 56,462,000 |
| Equity capital | 76,916,000 | 76,215,000 | 77,542,000 | 77,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,040,000 | 10,277,000 | 15,654,000 | 20,933,000 |
| Interest expense | 1,368,000 | 2,731,000 | 4,095,000 | 5,465,000 |
| Net interest income | 3,672,000 | 7,546,000 | 11,559,000 | 15,468,000 |
| Noninterest income | 102,000 | 205,000 | 365,000 | 537,000 |
| Noninterest expense | 1,934,000 | 3,796,000 | 5,757,000 | 8,339,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,813,000 | 3,928,000 | 6,172,000 | 7,671,000 |
| Income tax | 616,000 | 1,278,000 | 2,119,000 | 2,647,000 |
| Net income | 1,197,000 | 2,650,000 | 4,053,000 | 5,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,973,000 | 75,653,000 | 77,078,000 | 77,270,000 |
| Total capital | 78,734,000 | 79,441,000 | 80,956,000 | 81,087,000 |
| Risk-weighted assets | 300,739,000 | 304,260,000 | 316,728,000 | 316,932,000 |