Call reports 2015
PUTNAM COUNTY BANK — 2015
What PUTNAM COUNTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 634,946,000 | 632,580,000 | 645,981,000 | 638,653,000 |
| Total loans | 412,768,000 | 426,675,000 | 429,974,000 | 434,131,000 |
| Allowance for loan losses | 3,205,000 | 3,067,000 | 3,077,000 | 3,081,000 |
| Securities available for sale | 101,873,000 | 85,596,000 | 85,435,000 | 83,198,000 |
| Securities held to maturity | 25,994,000 | 25,994,000 | 27,989,000 | 38,953,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 546,273,000 | 543,695,000 | 555,141,000 | 547,788,000 |
| Interest-bearing deposits | 486,102,000 | 482,302,000 | 496,292,000 | 489,448,000 |
| Noninterest-bearing deposits | 60,171,000 | 61,393,000 | 58,849,000 | 58,340,000 |
| Equity capital | 82,945,000 | 83,834,000 | 85,890,000 | 86,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,723,000 | 11,700,000 | 17,787,000 | 23,882,000 |
| Interest expense | 1,060,000 | 2,147,000 | 3,268,000 | 4,428,000 |
| Net interest income | 4,663,000 | 9,553,000 | 14,519,000 | 19,454,000 |
| Noninterest income | 148,000 | 289,000 | 427,000 | 584,000 |
| Noninterest expense | 1,631,000 | 3,593,000 | 5,513,000 | 8,542,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 3,220,000 | 6,296,000 | 9,478,000 | 11,365,000 |
| Income tax | 1,135,000 | 2,279,000 | 3,432,000 | 4,308,000 |
| Net income | 2,085,000 | 4,017,000 | 6,046,000 | 7,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,138,000 | 86,395,000 | 88,433,000 | 88,623,000 |
| Total capital | 85,343,000 | 89,462,000 | 91,510,000 | 91,704,000 |
| Risk-weighted assets | 380,159,000 | 383,924,000 | 395,895,000 | 393,888,000 |