Call reports 2014
PUTNAM COUNTY BANK — 2014
What PUTNAM COUNTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 635,903,000 | 624,157,000 | 627,187,000 | 623,676,000 |
| Total loans | 352,045,000 | 371,286,000 | 389,990,000 | 406,012,000 |
| Allowance for loan losses | 3,817,000 | 3,806,000 | 3,803,000 | 3,773,000 |
| Securities available for sale | 112,736,000 | 118,109,000 | 117,367,000 | 117,426,000 |
| Securities held to maturity | 38,994,000 | 38,996,000 | 38,996,000 | 33,995,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 554,058,000 | 541,750,000 | 543,619,000 | 538,434,000 |
| Interest-bearing deposits | 495,018,000 | 481,788,000 | 486,036,000 | 479,755,000 |
| Noninterest-bearing deposits | 59,040,000 | 59,962,000 | 57,583,000 | 58,679,000 |
| Equity capital | 78,440,000 | 79,548,000 | 80,901,000 | 80,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,065,000 | 10,396,000 | 15,985,000 | 21,813,000 |
| Interest expense | 1,318,000 | 2,591,000 | 3,765,000 | 4,882,000 |
| Net interest income | 3,747,000 | 7,805,000 | 12,220,000 | 16,931,000 |
| Noninterest income | 151,000 | 322,000 | 476,000 | 635,000 |
| Noninterest expense | 1,680,000 | 3,694,000 | 5,693,000 | 8,148,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,269,000 | 4,484,000 | 7,059,000 | 9,474,000 |
| Income tax | 803,000 | 1,527,000 | 2,405,000 | 3,213,000 |
| Net income | 1,466,000 | 2,957,000 | 4,654,000 | 6,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,942,000 | 80,659,000 | 82,353,000 | 83,190,000 |
| Total capital | 83,759,000 | 84,465,000 | 86,156,000 | 86,963,000 |
| Risk-weighted assets | 325,100,000 | 334,484,000 | 345,868,000 | 357,906,000 |