Call reports 2018
PUTNAM COUNTY BANK — 2018
What PUTNAM COUNTY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 615,083,000 | 607,864,000 | 609,190,000 | 588,244,000 |
| Total loans | 371,745,000 | 361,882,000 | 353,751,000 | 348,015,000 |
| Allowance for loan losses | 7,241,000 | 6,573,000 | 6,897,000 | 5,266,000 |
| Securities available for sale | 59,284,000 | 49,086,000 | 33,999,000 | 29,123,000 |
| Securities held to maturity | 95,547,000 | 106,208,000 | 127,472,000 | 137,869,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 525,656,000 | 518,168,000 | 518,057,000 | 496,008,000 |
| Interest-bearing deposits | 462,039,000 | 454,887,000 | 447,967,000 | 432,994,000 |
| Noninterest-bearing deposits | 63,617,000 | 63,281,000 | 70,090,000 | 63,014,000 |
| Equity capital | 84,716,000 | 85,012,000 | 86,488,000 | 87,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,565,000 | 11,143,000 | 16,922,000 | 22,616,000 |
| Interest expense | 1,077,000 | 2,258,000 | 3,445,000 | 4,676,000 |
| Net interest income | 4,488,000 | 8,885,000 | 13,477,000 | 17,940,000 |
| Noninterest income | 116,000 | -65,000 | -157,000 | -202,000 |
| Noninterest expense | 2,563,000 | 5,117,000 | 7,611,000 | 10,270,000 |
| Provision for loan losses | 5,774,000 | 5,785,000 | 5,797,000 | 5,807,000 |
| Pretax income | -3,910,000 | -2,259,000 | -426,000 | 1,323,000 |
| Income tax | -922,000 | -539,000 | -141,000 | 297,000 |
| Net income | -2,988,000 | -1,720,000 | -285,000 | 1,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,768,000 | 88,156,000 | 89,579,000 | 90,034,000 |
| Total capital | 91,959,000 | 92,144,000 | 93,459,000 | 93,751,000 |
| Risk-weighted assets | 332,307,000 | 316,519,000 | 307,390,000 | 295,856,000 |