Call reports 2016
PUTNAM COUNTY BANK — 2016
What PUTNAM COUNTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 650,468,000 | 649,596,000 | 657,871,000 | 651,907,000 |
| Total loans | 441,379,000 | 450,396,000 | 447,254,000 | 440,927,000 |
| Allowance for loan losses | 6,600,000 | 6,600,000 | 6,555,000 | 7,251,000 |
| Securities available for sale | 78,692,000 | 78,640,000 | 71,148,000 | 70,259,000 |
| Securities held to maturity | 49,922,000 | 53,921,000 | 43,937,000 | 47,883,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 560,011,000 | 556,325,000 | 564,315,000 | 557,957,000 |
| Interest-bearing deposits | 499,325,000 | 494,850,000 | 505,632,000 | 497,699,000 |
| Noninterest-bearing deposits | 60,686,000 | 61,475,000 | 58,683,000 | 60,258,000 |
| Equity capital | 84,857,000 | 88,195,000 | 88,845,000 | 88,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,235,000 | 12,381,000 | 18,591,000 | 24,928,000 |
| Interest expense | 1,170,000 | 2,374,000 | 3,603,000 | 4,848,000 |
| Net interest income | 5,065,000 | 10,007,000 | 14,988,000 | 20,080,000 |
| Noninterest income | 142,000 | 286,000 | 435,000 | 669,000 |
| Noninterest expense | 1,961,000 | 3,905,000 | 6,298,000 | 9,054,000 |
| Provision for loan losses | 3,753,000 | 4,008,000 | 4,008,000 | 4,831,000 |
| Pretax income | -507,000 | 2,380,000 | 5,117,000 | 6,872,000 |
| Income tax | 1,098,000 | -76,000 | 1,781,000 | 2,419,000 |
| Net income | -1,605,000 | 2,456,000 | 3,336,000 | 4,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,031,000 | 90,259,000 | 91,139,000 | 91,380,000 |
| Total capital | 92,142,000 | 95,405,000 | 96,301,000 | 96,431,000 |
| Risk-weighted assets | 407,407,000 | 410,249,000 | 411,640,000 | 401,933,000 |